BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
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: Information belongs to someone else

Complaint:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XX/XX/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 2022-04-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have continuously tried to get these negative items off of my report. Also These bureaus are in violation of the XXXX XXXX...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Im beyond frustrated with the customer service team in XXXX XXXX. I called because of a complaint I made against XXXX agency back in XX/XX/XXXX online for the account with XXXX XXXX XXXX someone on XX/XX/XXXX lied and stated I challenged the payment history for XXXX thats a LIE. He even confirmed the payment history dispute bill as for another account. Due to Experians negligence they extended the timeframe so when the account shouldve been removed XX/XX/XXXX it wasnt!!! please reference case # XXXX. When I originally reached out to you guys about the illegal tactic this agency use to continue reporting this account they stated they replied by mail. THATS A FLAT OUT LIE. I DIDNT RECEIVE A LETTER FOR THIS ACCOUNT THE FCRA REQUIRES DELETION OF THIS ACCOUNT. So I spoke to on XX/XX/XXXX XXXX in XXXX XXXX he transfer me to a supervisor who refuse to listen to anything I have to say and hung up on me after a 30 minute hold something needs to be done about there customer service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2018-05-04
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was told by my discover card that upon their investigation that it was not fraud on my account, but the only thing that they base their facts upon is the facts that favor them. When i submit my facts to the company via fax, mail, email, by phone the company does not take them into consideration, they reply with things that favor them, as if they don't even look at my documents.

I was told that upon their investigation that the physical card was used 4 times near my residence on XX/XX/2016 but i am saying that i never used it and it was physically impossible for me to use it because i was in a different state at that time. If someone used my credit card, I do not know who it was, and its up to police and Discover Card to find out but to blame the charges on me is completely wrong.

I am sending proof of a airline company ticket that, not only the fact of me purchasing it, but the one that states that i actually boarded the plane and flew to another state, its an official proof that has confirmation numbers from XXXX. So if I was in one state and purchases with my credit card were made in a different state- thats fraud, that i as a customer is not responsible for.

I am also sending proof of an official receipt from a Limousine company that i was picked up from a hotel and dropped off at a studio for work in XXXX, WI.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Receivable Collection Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
during the time period between XX/XX/XXXX and XX/XX/XXXX I was out of the country. I spoke with the Auto insurance informing them the changes to the policy at the time when I left the XXXX and please place my policy on pause. 
I believe at some point progressive auto insurance canceled the policy I don't know why. if you're billing me for months that I was not a customer I don't understand why I should pay if I decide to change insurance companies at any point, and I should not be billed for months that I was not covered by your company for auto insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Central Portfolio Control Inc.
State: OH
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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Central Portfolio Control # 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 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

15 U.S.C 1692 c ( A ) without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage loan was on auto draft with my previous mortgage company. The mortgage transferred in XX/XX/2019 to this mortgage company and hasnt been auto drafted correctly since. I have had to call once or twice every month to make my payment. I have had nothing but problems since my loan has been with them. They also try to charge me a service fee for calling in to make the payment they should have auto drafted. Now they say I am behind on my payments but I have been calling every month since XXXX to make my payment. They now wants me to make a payment and a half so that the auto draft will start working correctly. This company is a nightmare.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX Balance : {$900.00} XXXX XX/XX/XXXX XXXX  XX/XX/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 2022-07-05
Company: Forster & Garbus LLP
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
Dear Sir or Madam : I am filing a complaint against Foster & Garbus LLP. They sent me an income execution for a credit card balance in XX/XX/2022. Therefore, I reached out to them early in XXXX and started a payment plan of {$120.00} every two or sometimes every XXXX days as per the XXXX 's agreement. However, they are now notifying me that they haven't received any of my payments. I have my statements and receipts of all payments I made since XX/XX/2022. 

At this point, I highly suspect that they are holding my funds and not applying payments to my balance, and I would like to file an official complaint against the office of Foster & Garbus LLP for fraud. 

Can someone from your office look into my claim and let me know what my options are, and how can I get the Foster & Garbus office to apply all my payments of {$1200.00} to my current balance of {$2000.00}. 

Thank you for your consideration and I can be reached at XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Problem with personal statement of dispute

Complaint:
0N XX/XX/2021 OVER 60 DAYS AGO A DISPUTE WAS REQUESTED AND NO STATEMENT OF DISPUTE WAS ENTERED. FOR ( 1 ) XXXX XXXX XXXX XXXX ( 2 ) 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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
A XXXX Mortgage contacted me because it was a hard inquiry I didn't do or a mortgage application I didn't approved to be done on my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-25
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:
The FOLLOWING derogatory accounts allegations are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be 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 2021-10-12
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: Was not notified of investigation status or results

Complaint:
On XX/XX/ I sent a letter regarding inaccurate and unknown items on my credit report. On this day XX/XX/ 90 days letter I have not received a response yet. I feel as I'm being take advantage of and being ignored of my disputes. Section 611 ( a ), it plainly says that a failure to investigate these items with in the 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted Promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have cause me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX etc are continuous reporting the same bill multiple times on all of my credit reports. The same bills show up 5 times or more. For example, XXXX USD shows up 9 times its one bill not 9 of the same bill. This is killing my credit score in all 3 bureaus. Some bills are very very old and should not even be there anymore and some should just not be there period. I have tried to reach out to fix these issues and nothing has been done. I also just had an issue with a breach in that someone in XXXX  attempted to withdraw XXXX dollars from my checking account! I live in XXXX and have never been to XXXX  ... .and I have now filed a police report for that. Please make them fix this! I will also retain an attorney to help in the above situations and am preparing for bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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: Account information incorrect

Complaint:
the following acoount s are being reported inaccurately XXXX XXXX XXXX XXXX XXXX account XXXX XX/XX/XXXX late account is on auto pay, XXXX XXXXXXXX incorrect balance - always pay to a XXXX balance. XXXX, XXXX and transunion are inaccurately report the accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-15
Company: Experian Information Solutions Inc.
State: VA
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:
RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXX, VA XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( XXXX ) XXXX. Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, VA XXXX XXXX, XXXX XXXX XXXX Attached is a copy of my State ID as well as my XXXX bill showing proof of address

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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment 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 2022-12-28
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:
Privacy and confidentiality under 15 U.S.C. 1681  XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX ( ALL THREE HAVE INCOMPLETE ACCOUNT NUMBERS ) ..... 


15 U.S.C 1681 section 602 A States I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 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 conviction of crimes which ante date 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 2021-07-26
Company: United PanAm Financial Corp.
State: TN
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 XX/XX/2021 Auto Credit submitted me a contract of a vehicle loan under complaint XXXX this proves absolutely nothing and does not provide me with the documentation of FACTA 312 or UCC DEFICENCY INFORMATION AT ALL. I have attached exactly what documentation that needs to be provided or this will have to be taken further. Under UCC DEFICENCY this information was/is suppose to be provided to me as the consumer. Please see attached request. If this information can not be be provided then this needs to be REMOVED from my credit report because at that point Auto Credit is in direct violation of the laws.

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: OH
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 sent a certified letter to XXXX XXXX XXXX Account # XXXX on XX/XX/2022, " demanding the company provide me with a CERTIFIED copy of an authenticated original contract with my signature, Specifically Naming XXXX XXXX XXXX as an entity entitled to enforce a commercial claim You do not conduct commerce against me. '' ( I have attached a copy of the letter ). Use of name, birthdate and social security is not validity. XXXX XXXX XXXX did not provide the requested information and did not remove this account off my report.

Company response to consumer: Closed with explanation