BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/XXXX, My credit report stated I had an collection from ( XXXX XXXX XXXX  sold to XXXXXXXX XXXX XXXX XXXX XXXX listed multiple times on my credit report. on XX/XX/XXXX, I Disputed this collection with XXXX XXXX XXXX XXXX requesting proof that this debt collector own this debt and has the legal authority to collect it or delete this account. XX/XX/XXXX, Debtor purchased debt ( violations : proof of debt with wet signature. ) XX/XX/XXXX, I Disputed this collection again with XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Creditor removed collection account from XXXX & XXXX and one time on XXXX  only. I requested to be removed on all bureau. creditor sold debt to Debtor and Debtor failed Request. Debtor purchased debt violations : proof of debt with wet signature, XX/XX/XXXX, I Disputed this collection with twice XXXX  XX/XX/XXXX, Debitor reported the collection account on XX/XX/XXXX with the same account On XXXX and XXXX  as of XX/XX/XXXX. ( violations : balance on account charged off, proof of debt with wet signature, illegally re-aged date last active to XX/XX/XXXX on XXXX  as of XX/XX/XXXX. XXXX  payment status is late 120 days on a collection account XX/XX/XXXX, Debtor has reported the collection to XXXX  ON XX/XX/XXXX Debtor has not responded to my request or updated my account on XXXX  and XXXX. This Debtor and Bureu 's has failed to do a proper investigation. this account is clearly in multiple violations and did not remove this account nor sent me proof of debt and the legal right to obtain this debt with my wet signature. I demand for this debtor to remove this account immediately.debtor failed to update the comment section that i disputed this account. debtor and bureau deleted the information on XXXX  AND XXXX and reported the account as of todays date XX/XX/XXXX. Creditor ( XXXX XXXX XXXX removed from XXXX  sold the debt to XXXX and then XXXX reported the collection on my account and did not update in the comment section that an investigation was completed

Company response to consumer: In progress
Consumer complaint received 2019-02-13
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: Account information incorrect

Complaint:
In my credit report I have a 30 day late payment report on XX/XX/2017 report by XXXX  XXXX /ACCOUNT NUMBER XXXX .... The information is incorrect and should be corrected to no late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
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 AM A VICTIM OF IDENTITY THEFT. I HAVE ACCOUNTS ON MY CREDIT THAT DO NOT BELONG TO ME. MY PURSE WAS STOLEN AND MY ID WAS STOLEN AS WELL. I AM STILL BEING VICTIMIZED BECUASE THESE ITEMS ARE BEING REPORTED ON MY CREDIT REPORT. I HAVE DISPUTED THESE ACCOUNTS AND THEY HAVE NOT BEEN REMOVED.

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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 non-monetary relief
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This Account was paid, closed, removed, in XXXX. The last 8 months or so pro collect has been reporting this account as new and every month has sent it to the bureaus. My credit scored has been demolished because of this and because its an apartment its showing on any housing that I apply for. I received a letter saying that a company has illegally obtained my information and has my information. I have called multiple time. Filed a dispute for this same account 3 times and instead of fixing this issue they keep saying that this is valid. I have spoke with them and the feedback I am receiving is more concerned with me paying another {$3000.00} instead of fixing there mistake.

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 2023-11-01
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited 4 stipend checks on XX/XX/XXXX from my school. The next day the funds were available but then a hold was placed on the checks. I received an email stating the funds would not be available until XX/XX/XXXX. I called Truist customer service to have them explain to me why the funds were available in my account but then a hold was placed after. The representative stated that the branch was the one who put the hold on the account. I explained to her that the hold was placed at XXXX XXXX. but the branch doesn't open until XXXX XXXX. so how could the branch put the hold when they weren't even open when the hold was placed? I requested a supervisor and was on hold for approximately 20 minutes before being transferred. I explained to him what was going on and he was not very nice about the situation. He told me the system automatically put the hold on the checks because they looked " suspicious ''. I asked him what they had found and what looked suspicious about the checks since it came from a large corporation that services many colleges throughout the US. He responded with " nothing so far ''. He asked if I wanted to make a complaint and I told him I would like to. I have bills that are due on the 1st so I can't wait until they " review '' the checks a week later before they release the funds. They have been very unprofessional and seems like they read from a script when a question is asked. When I orginally asked to speak to a supervisor the rep responded with " they're going to tell you the same thing I did. '' Regardless, I asked to speak to a supervisor so transfer me.

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 2023-06-09
Company: Experian Information Solutions Inc.
State: SC
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-05-15
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Southwest credit XXXX  is attempting to collect a debt that belongs to a business. I requested a debt verification and all they sent was old invoices but no contract or anything stating it belongs to me. On XX/XX/2021 they reported it to XXXX  causing my credit to decrease. They did not wait for a response and violated my rights under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Linebarger Goggan Blair & Sampson LLP
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notification from Linebarger Goggan Blair & Sampson, LLP that I had owed {$90.00} for an unpaid toll in Delaware in XXXX. This is the first notice I've received regarding an unpaid toll and I had tried to respond right away last week a few days after I had received this notice. 

After a complaint through the XXXX XXXX XXXX, they had speculated that I had either run a toll or had insufficient balance as an XXXX XXXX customer, which made no sense since the day of the alleged toll violation, I had paid every single XXXX XXXX toll from NJ to Florida and back and had no reason whatsover to skip a toll. My XXXX XXXX is attached to my winshield and I commute daily to work using the XXXX XXXX XXXX with XXXX toll violations or account lapses ( I have it set to auto replenish funds ). I also would have certainly opted to just pay the {$4.00} had I received any actual notification, which they failed to prove they had sent to my address. They also failed to send any photo proof of my vehicle driving through that toll booth. When I tried to communicate and ask for proof of the violation & /or attempt to pay the {$4.00}, they made it extremely difficult to even get in contact with this collection agency. They had asked for a written letter to be mailed out or a fax and did not accept email. It's XXXX and they are still using paper mail and fax machines, which is insane in itself. 

Again, I'm looking for some type of resolution or reasonability here. Forcing people with good credit, long time XXXX XXXX users, and clean driving records to pay {$90.00} for a {$4.00} toll is nothing short of extortion. Expecially when they can provide little or no proof of the violation & /or any postmarked communication to my residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In my credit report I have a 30 day late payment report on XX/XX/2017 report by XXXX XXXX  /ACCOUNT NUMBER XXXX .... The information is incorrect and should be corrected to no late payment.

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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Hello, Please completely remove me as authorized user from the XXXX XXXX XXXX XXXX credit cards attached - there are 2. 

Please completely remove these tradelines from XXXX, XXXX, and Transunion- so it does not show at all. 

Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please note that are 2 credit cards. 

Please have this handled 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 2020-09-28
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After successfully freezing my credit on XXXX  and XXXX, on XX/XX/2020 tried to create a MyEquifax account to get a credit report and freeze my credit. There was a computer problem when it came time to verify my account via email. I then had to call and in trying to complete the process was asked 4 questions supposedly from my credit report to verify my identity. None of the questions were relevant and the process was terminated. I called to find the next step and was directed to mail a letter of request and some ID to complete verification which I did on XX/XX/XXXX. XX/XX/XXXX I tried again to freeze my credit by phone and was again prompted to answer 4 questions. Again NONE of the questions were relevant and the process was terminated. I talked to an agent and they claimed that they did not receive my mail though it was sent to Equifax Attn : Security freeze dept XXXX XXXX XXXX XXXX GA XXXX They said I would have to send the information again. I asked what happened to the PERSONAL INFORMATION that was already mailed to them. They had assured me that when I sent it, it would be destroyed after verification. Now it has been lost, stolen, whatever and they have no responsibility in this process. Unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Experian Information Solutions 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:
We went to a local credit union today to open an account. While opening the account the credit union employee told me that Experian had XXXX social security numbers under my name. I called Experian to fix the issue and could not get anyone on the phone, it was eternal automated support. It was an experience I care to never repeat, I just wanted to get the error cleared up.

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 2023-10-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove this account completely from my credit reports. 
XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: AL
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: In progress
Consumer complaint received 2019-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I am having an issue with Transunion. There website is completely misleading. It advises consumers that they have the ability to file a dispute and check the status of the dispute online which is inaccurate. I have tried several times over the course of many days and have been unsuccessful. If you go to their XXXX page you will see other comments from consumers stating the same thing. The company is well aware of the situation and is going nothing to correct this issue. I spoke to a supervisor yesterday from the company which confirmed he has heard complaints on this issue as well. If the company is not going to provide a functional website then it needs to be scrapped.

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 2023-06-09
Company: Experian Information Solutions Inc.
State: LA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2022-08-29
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from the identity theft. I value your help to REMOVE a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 the Credit Reporting Agencies are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider the Credit Bureaus responsible for your tenacious rebelliousness. Under the provisions of teh FCRA, I need the following items deleted as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXX/XX/2020

Company response to consumer: Closed with explanation