BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: AR
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: Was not notified of investigation status or results

Complaint:
The XXXX XXXX account reporting on my consumer report is incorrect and needs to be removed. Every alleged account is reporting inaccurately and erroneously, which is grounds for removal under the direct violation of 15 USC 1681 ( Reporting incorrectly ). Please have them COMPLETELY REMOVE THE ACCOUNT because I have given them plenty of time to conduct a full and complete investigation on this inaccurate and erroneous account. Please don't just have them do it by eoscar ; my life depends on my good credit. Every inaccurate account is unauthorized and needs to be removed ASAP. This debt collector and credit reporting agency engaged in abusive, deceptive, and unfair practices of the FDCPA, which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement. A legal contract is signed by two parties, and I did not participate in any of it. Furthermore, they didn't follow the proper 5-step validation procedure, making this an unfair practice. According to the FDCPA, I'm entitled to {$1000.00} per violation, and clearly, they violated my rights. I will attach all documents to this complaint. Companies have failed to investigate this account which is a violation of the FCRA AND FDCPA LAWS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: MD
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:
My information was Sold and bought illegally because I was a victim of Equifax data breachI want these items deleted from my credit reports effective immediately I'm attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax is done nothing please help me delete these illegal account for my credit reports list all those things and account number

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
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:
After carefully analyzing my credit report, I noticed several inaccuracies as it relates to negative accounts, employment history, and addresses where I have never lived. I am requesting that the following inaccurate information be removed from my credit report as this is affecting my score and ability to obtain new credit with different creditors. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and U.S. Code 168i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies shown in my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure. I have included documentation to verify my correct information. I thank you in advance for your prompt cooperation. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-24
Company: Summit Consumer Group
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I ( and my family ) was contacted by a company called Summit Consumer Group, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, stating that I owe in excess of {$1500.00} due to a late cellphone payment to the mobile service provider XXXX XXXX from the years XX/XX/XXXX - XX/XX/XXXX. I have never been contacted in the past 16 years for any debt from XXXX. This company ( SCG ) stated that I woud be issued a subpoena and my bank assets would be seized if I do not remit payment for this fee. I contacted XXXX XXXX and the company stated that I do not owe anything.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
You need to get this XXXX off immediately as it is NOT COMPLIANT ... This is illegal and improper reporting of information, delete without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX/XXXX  XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX  , XXXX/XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX , XXXX/XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX   XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX  XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ),

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
My HEL account has been closed for year but Bank Of America never filed a Satisfaction of Mortgage. Ive been calling and calling and now Im having a problem closing on my house.

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 2023-08-03
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank 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 2015-05-15
Company: CAB Receivables, Inc.
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am writing you to discuss a disreputable collection agency that has submitted incorrect collections information to XXXX, XXXX, and XXXX about an account that I had at a dentist 's office. 
I have disputed the information with the credit bureaus multiple times, but I keep getting a form letter telling me the information has been verified. 
In an attempt to deal with the collection agency directly, I wrote them on XXXX XXXX 2015 explaining that I dispute the amount owed and requested information proving that I owed the debt and that I agreed to assume the debt. 
The collection agency only provided me with an inaccurate statement which did not include payments made. The statement did not include why benefits were not paid by my insurance. It did not include steps they took to settle this debt with my insurance company. 
Their incorrect entry on my credit report has caused multiple issues. I have been denied credit. I have also been given less favorable terms due to this collection account. 
I am writing you in hopes that you may help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
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:
XXXX, XXXX and TransUnion have reported a 30-day late payment indicator on my credit report with the creditor, ( XXXX XXXX XXXX ) , which is incorrect and is currently showing on my credit report. The two accounts from this creditor that I am referring to is the account balance of : {$34000.00} and {$110000.00}, which the account was opened XX/XX/2021, and XXXX XXXX. I have never paid 30-days late and when I contacted XXXX XXXX XXXX XXXX, they said that their system is not showing it and that I am current and they did not report that 30-day indicator on the account. This is the 1st time that this done happened to me and this is negatively impacting my credit rating and credit report. I want this issue corrected immediately because this is negatively affecting my credit rating with XXXX, XXXX and TransUnion and if this happens again, I am filing a lawsuit for violating the fair credit reporting act. I want this updated 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 non-monetary relief
Consumer complaint received 2023-02-06
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: 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 2017-03-31
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Other

Complaint:
I had fraud on my account and I contacted the company to make them aware of it. They closed down my card but the fraud is on my current account and making my monthly minimum payment higher, my card is over the limit due to the fraud. The fraud was transferred to the new account.

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 2017-04-06
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX refuses to remove negative information from my Credit. XXXX has been asked continuously in writing as well as verbally to verify the debt. XXXX can not provide me with the validation of the debt he is trying to collect. I have told XXXX repeatedly that I DO NOT want any business with his company nor have done any business with his company. I have asked for a wet signature contract with his company and he has not been able to provide one.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: Diversified Adjustment Service, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Per 15 USC 1681 ( FCRA ), as a Federally protected consumer I have the right to privacy and accurate reporting to my credit profile. I am not liable for a debt with XXXX, nor do I have a contract with DIVERSIFIED ADJ SVC. Upon request I was denied an original contract from DIVERSIFIED ADJ SVC which they failed to provide. I contacted XXXX XXXX and XXXX concerning the matter to verify the accuracy of this reporting which all failed to provide me with sufficient information pertaining to the validity of the inaccurate reporting to my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
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: Account information incorrect

Complaint:
XXXX is reporting inaccurate information that the account is opened. this account was fraudulent and needs to be removed XXXX is reporting a second fraudulent account that needs to be removed indigo never sent a billing statement nor bill of a balance due. i am requesting all lates be removed. 

Self : i was never late this account is my own money and should never be showing as late XXXX federal is reporting lates over XXXX XXXX XXXX. lates need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
ATM was malfunctioning. Received my money and gave no credit for it .I was told I could close my account or get the funds that I needed to get a tire for my vehicle

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 2023-11-08
Company: Experian Information Solutions Inc.
State: LA
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 firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Reported XXXX XXXX as XXXX, account as of XX/XX/23. Dispute was submitted and resolved with the results : the account has been removed from all three bureaus. XXXX could not verify a correct social security number nor an accuate phone number stating someone called them from a number trying to verify my information. XXXX XXXX XXXX now has bought a Fraudulent debt and trying to seek payment. I have filed a identity theft report with the FTC as well as this complaint with the CFPB.

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 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
In XX/XX/2020, during the challenging period of the XXXX lockdown, I encountered financial difficulties that impacted my ability to make timely payments. Recognizing the circumstances, I promptly reported the late payment to XXXX XXXX XXXX  and requested their understanding and assistance. I believed that, considering the unprecedented circumstances, they would be willing to work with me to find a fair resolution. 

However, to my dismay, XXXX XXXX XXXX  has not taken any action to remove the late payment from my credit report. I have made numerous attempts to communicate with their customer service representatives, providing supporting documentation and explaining the extenuating circumstances that led to the late payment. Regrettably, their responses have been unsatisfactory, leaving me with no other option but to escalate the matter. 

I am now filing a formal complaint with the Consumer Financial Protection Bureau in the hopes of receiving a fair and impartial resolution. I kindly request your intervention to help facilitate a resolution between myself and XXXX XXXX XXXX. It is my belief that by bringing this matter to your attention, I can receive the assistance needed to rectify this situation and mitigate any negative impact on my credit history.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
For the company to do what is fair and equitable to me as a consumer by deleting the items identified as identity theft 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 2017-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have made multiple written requests for TransUnion to issue my Credit Freeze security PIN and they fail to respond. I placed a Credit Freeze on my bureau more than a year ago due to fraud activity and I need the freeze removed to apply for a mortgage. I can not remove the freeze without a PIN from TransUnion. 

TransUnion will only issue a PIN if they receive a request by mail. I sent them a request on XX/XX/2017 and again XX/XX/2017 and they still have not responded. I live in the state of Arizona and TransUnion 's guide indicates there is no fee for this service. 

There is no way to even follow up to ensure they have received my request and when I can expect to get the PIN issued.

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 2023-11-08
Company: Experian Information Solutions 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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my 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 2023-01-24
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 did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX  XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-04-03
Company: Experian Information Solutions Inc.
State: LA
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:
This attached DISPUTE LETTER serves as my formal complaint to this credit reporting agency, because you are reporting inaccurate credit account information within my credit report. I recently submitted a request for investigation of the below listed accounts, in which you have refused to investigate. I submitted more than enough information for you to conduct your investigation of the below listed accounts. 

I have done my own investigation and have researched numerous legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each and every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies

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