BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Someone that I do not know is using my personal information to obtain multiple credit card accounts. I have never agreed with that person to open these multiple credit card accounts. I am afraid that my personal information was stolen by the third party, and that party pulled many different credit cards without my personal consent. I believe that this act was going on for a while, and I did not know about it. 
To resolve this problem I requested deletions and block of fraudulent accounts that have been created by an identity theft crime. 
Unfortunately, XXXX  and Trans Union are still reporting several fraudulent accounts on my credit report. A police report and Federal Trade Commission identity theft report have been submitted to them. 

All other accounts that were made without my knowledge are listed below. 

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 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 2019-03-28
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: Personal information incorrect

Complaint:
I have missed payment in my credit report from the student loan while I already have a forbearance period, please remove the missed payment it show like 6 missed payments from XXXX XXXX XXXX. 
Name XXXX XXXX Date of birth : XX/XX/XXXX Address : XXXX XXXX   XXXX XXXX, XXXX FL XXXX Please remove it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
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 some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11
Company: Comerica
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
I lost my direct deposit to my bank card while my taxes and stimulus check was processing so it can come to me though direct deposit this year for my check in the month of XXXX being transferred over to my bank the check never made it to my new card before the check was ready to sent I been change my debit card to a new same bank but different debit card number. and told them to send it to my new care I updated with the third party I did my taxes with and file with and get my money included my 4th stimulus check but it was stolen and misent to the old card which was stolen and lost wit another person that had it I called direct express and told them to investigate they didnt but issued me a new cared that the stimulus check is going go to but it never came on to my new card I updated wit XXXX  XXXX thats the party I did my 2021 taxes wit the 4th stimulus of the amount of XXXX $ Stimulus check wit my taxes I need a refunded check sented do my current and living mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-12-13
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 implore you to take swift action to eliminate the fraudulent inquiries from my credit report since I did not authorize them, and they are causing me significant distress.

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 2022-10-11
Company: R.A.Rogers, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I, XXXX XXXX, consumer, hereby demand R.A. Rogers , Inc. to cease and desist all communications with me ( XXXX XXXX ) and I hereby demand R.A. Rogers , Inc. to comply with all requirements of Federal law 15 U.S. Code 1692g ( b ) - Validation of debts. In addition, Im aware R.A. Rogers , Inc. Is attempting to collect an alleged debt, R.A. Rogers , Inc. Be aware that your business practices may result R.A. Rogers , Inc . Fined and 20 years of imprisonment according to Federal law Title 18 U.S. Code 894 ( a ) - Collection of extensions of credit by extortionate means ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. with prejudice! 

XXXX XXXX ALL RIGHTS RESERVED UCC 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: United PanAm Financial Corp.
State: IA
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:
i was financed for a loan on a used vehicle that turned out to have the miles rolled back. XXXX XXXX with the DOT is working my case. The company I have the loan through wouldnt accept my first months payment, have no repossessed the car and are reporting my late payments to the credit bureau too. The are fully aware of the mileage being rolled back and that I have filed a complaint with the DOT. I should be exempt from responsbility of this loan because the car 's value isnt even worth the down payment of {$2000.00} that I lost and now my credit has gone down the XXXX because of their filing to the bureau. I have filed a complaint with the Iowa Attorney General too.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: Experian Information Solutions Inc.
State: AZ
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:
I have a derogatory account showing from 2010 on my credit profile ... reference number XXXX on XXXX and 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 2023-12-13
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX  - XX/XX/XXXX This is completely inaccurate. Please remove this inaccuracy from my report XXXX XXXX XXXX XXXX - XX/XX/XXXX I do not recognize this. Please remove this inaccuracy from my report XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This is not accurate. Please remove this inaccuracy from my report XXXX XXXX XXXX XXXX I do not recognize this. Please remove this inaccuracy from my report XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recognize this. Please remove this inaccuracy from my report XXXX XXXX XXXXXX/XX/XXXX This inquiry was not authorized, please remove it from my credit report XXXX XXXX XXXX  This inquiry was not authorized, please remove it from 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 non-monetary relief
Consumer complaint received 2022-10-11
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
I started disputing this information in XXXX regarding these two companies discover and XXXX XXXX. I fill out every form the companies sent to me from the fraud department to a police report back in XXXX. Id also requested a copy of the applications that was submitted by me since this account was supposedly open in XXXX the company was still actively doing paper work for new account. I havent received a copy of the the request paperwork information regarding the credit application from the company. These account is showing a balance and a past due amount for many years this company continues to bully and harass me with this relentless negative information on my credit report which is affecting my family and personal lively hood to get good paying job and a decent place for me and family to live. This is a constant reminder of how the company treat XXXX and XXXX people who work hard and want a fair share in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Bread Financial Holdings, 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: Public record information inaccurate

Complaint:
XXXX XXXX has reported incorrect, fraudulent information on my credit report, TWICE. In XX/XX/XXXX, I paid my XXXX XXXX credit card balance in FULL. I then, called and requested that the account be closed. They did as I requested. In XX/XX/XXXX, I filed Chapter XXXX Bankruptcy. XXXX XXXX WAS NOT included in my Chapter XXXX BK. I have my original court documents to validate this fact. Months after my BK was discharged, I reviewed my credit report and discovered that XXXX XXXX reported that they were included in my Chapter XXXX BK, which is FALSE. At the advise of an attorney, XX/XX/XXXX, I mailed XXXX XXXX a letter, disputing the incorrect, damaging information that they added to on my credit report. XXXX XXXX sent me a letter indicating that they would remove the incorrect reporting from my credit file, it was removed. XX/XX/XXXX, I was sent an alert from one of the major credit bureaus informing me that XXXX XXXX reported my account as active and could add information to my credit report that could be POTENTIALLY NEGATIVE. I called XXXX XXXX on XX/XX/XXXX and spoke to XXXX within their accounts dept. XXXX began explaining to me ; that they KNOW my XXXX XXXX account WAS NOT INCLUDED in my Chapter XXXX BK, BUT because they are a small bank, they could report the Chapter XXXX BK to the credit bureaus. I told them that they are committing FRAUD and adding conflicting reporting to my credit report that is DAMAGING and hinders my ability to receive new credit when I apply. I told them, if they do not REMOVE the damaging CONFLICTING FRAUDULENT information from my credit report, I will request that they be held in contempt by the XXXX XXXX Bankruptcy Court AND I will file a complaint against them for committing fraud and possibly trying to defraud their insurance company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX and XXXX XXXX XXXX will not provide original bill showing additional fees. All medical debts were/have been paid in full through XXXX XXXX XXXX No medical debts should be on my credit reports. I've already contacted doctors and hospitals that show all billing paid in full including the anesthesiologist. I do not owe {$250.00} for any services. I demand removal of this account from my Experian collections/credit report. This follows a complaint to the XXXX  as well. XXXX and XXXX have validated and removed accordingly.

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 2023-07-06
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: Account status incorrect

Complaint:
This is my second or third compliant and after this Im going to sue Transunion and XXXX for violating my FCRA. I have two accounts that are closed with XXXX and it continues to come back as verified. One account ends in XXXX and had a balance of {$4300.00} and the other account ends in XXXX and had a balance of {$7900.00}. Transunion continues to change the close date. My attachments show proof. The most recent credit report shows XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. How can this continue to happen. Another attachment shows dates from XX/XX/XXXX. This is intentional at this point. 

XXXX needs to be removed from both Transunion and XXXX. I have requested multiple disputes but they all come back verified. 

XXXX the only CRA reporting 90 day lates for both accounts. XXXX deleted both accounts back in XX/XX/XXXX as the same inaccuracies are shown. 

Im not requesting another investigation. In fact, do not do one. This information needs to be deleted IMMEDIATELY for multiple FCRA violations. 

Transunion shows XXXX as XX/XX/XXXX while XXXX shows nothing. XXXX  doesnt show a close date. 

This file needs to be deleted. A response of opening an investigation is not sufficient. Both credit bureaus have had ample time to resolve and didnt. Remove both XXXX accounts or I will have to file FTC complaints and sue in court for violating my rights. 

A letter from XXXXXXXX XXXX XXXX XXXX XXXX XXXX shows contradictory information. No close date has been provided. XXXX said they are not reporting 90 day lates in the letter however thats incorrect. 

Also attached is another credit report showing close dates in XXXX. All parties need to immediately delete credit files since my FCRA rights have been violated. Inaccurate information on my credit report sits there for years. I need the CFPB to intervene and ensure this is deleted timely.

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 2021-01-07
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:
This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 


I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: EdFinancial Services
State: OR
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:
On XX/XX/22 I noticed that my old student loan servicer ( EdFinanical ) and my new student loan servicer ( XXXX ) are both appearing on my credit report. This makes it appear as if I owe double the amount of debt. I owe {$21000.00} in federal student loans and they are appearing twice on my credit report, making it appear as if I owe {$42000.00}. It is impacting my credit score and I was hoping to apply for a mortgage soon. I was informed the switch to a new servicer was taking place in XXXX, EdFinancial stopped reporting anything after XXXX. I was told XXXX would be taking the loans over from EdFinancial, but XXXX now has them. 

I contacted the two credit bureaus that show both. XXXX has adjusted the historical data of my loans at EdFinancial, but the record is still in my report. I am awaiting a response from XXXX. XXXX is only showing the EdFinancial loans. 

I contacted EdFinancial and I am awaiting a response. 

This is a serious issue as the reports show my credit score has gone down by XXXX points during this transfer of loans to a different servicer. Those XXXX points are literally the difference between a " good '' credit rating and an " excellent '' credit rating for me. If this is not corrected, I will not be able to get the best interest rates on a mortgage that I deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX is incorrectly showing my last payment was on XX/XX/XXXX. I reached out to Experian to dispute this. My payment history clearly shows that my last payment was on XX/XX/XXXX. That means that the trade line should be falling off my credit this year. I provided the account history record to Experian. They did not change the information. They claim to see what I sent and are only offering for me to send it again even though they have it already. They want me to make another dispute with the exact same information. 

XXXX is under investigation right and left for their handling of student loans. I provided information directly from XXXX 's site. The XX/XX/XXXX is clearly a date they randomly made up in my account- another sign of what kind of company they are! 

We all know XXXX is a bad actor. But their bad actions are continued by the help of the credit bureueas. One credit bureau correctly removed the tradeline several years ago due to XXXX 's inability to dispute my debt. The other two have not. And now, they are falsely reporting on my debt.

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 2018-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AP
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Bankruptcy has incorrect dates

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