BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-10-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The actions that were taken was notifying XXXX and Equifax with letters asking for information and procedure use to determine that the bankruptcies were accurate on my credit report. How can I possible have two bankruptcies in the same year ( XXXX  ) and one in Florida. I am a Georgia resident, that should've been a red flag for you. I wrote XXXX and Equifax numerous times concerning inaccurate on my credit report. I WILL receive a letter stating that it has been verified but how???? And never receive what I am asking such as the procedure, phone numbers, phone number and who they talk with, etc. Never received such information from XXXX and Equifax. Second step, I have reached out to XXXX  XXXX ( CEO ) of Equifax and the Ceo of XXXX concerning my issues with each company and their process of handling my situation. I reached out to XXXX and Equifax again and the same thing, it's been verified. XXXX and Equifax informed me that the bankruptcy court filed the bankruptcy and after reaching out to the Bankruptcy Court. I was informed that they don't have time to report information of such to any agency. I have enclosed all my contacts with the Bankruptcy Court, the credit bureaus and the CEO of XXXX and Equifax. As a veteran and XXXX XXXX XXXX XXXX XXXX in the XXXX XXXX, my wallet was stolen and cause all these issues in my life and XXXX and Equifax has been a pain for individuals like myself, when identity theft and fraud take place in your life. I have alot of inaccurate information on my credit report from XXXX and Equifax, and its like pull teeth with both of them company. I was writing congress concerning the issues that has took place with these companies ( XXXX and Equifax ). I hope you can help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  accounts has violated my rights. 

XXXX ) XXXX XXXX # XXXX XXXX ) XXXX XXXX XXXX  # XXXX XXXX ) XXXX XXXX  # XXXX XXXX ) XXXX XXXX XXXX # XXXX XXXX ) AXXXX XXXX XXXX # XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX # 15 U.S.C1681section 602A. States I have a right to privacy.

15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnish A account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have not received the services charged on my card and it is now showed closed because I refuse to pay for something I didnt receive! I was charged fees for being late which I paid a payment also and they reported wrongly on my credit report that I didnt pay! I need this account deleted from XXXX XXXX XXXX and Equifax!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: NJ
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: Experian Information Solutions 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 sent a dispute letter addressed to the Credit Bureaus requesting the removal of the unfamiliar accounts being reported on my Credit File on XX/XX/2023. I believe this is a case of fraudulent activity and I requested that the Credit Bureaus conduct an investigation and if possible, remove the disputed accounts off of my Credit File as soon as possible. I have read that under the FCRA section 605b, the Credit Reporting Agencies are required by Federal Law to remove any accounts and information that resulted due to fraudulent activities. I am submitting this Complaint today to follow up the previous Complaint I submitted. Once again, I need the following accounts removed from m Credit File as soon as possible : permission : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}. If the Credit Bureaus investigation find that I legally own these accounts, please send me copies of documents supporting such claims bearing my signature. In the absence of such documents, immediate removal of the disputed accounts will be greatly appreciated.

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 2022-12-18
Company: SYNCHRONY FINANCIAL
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Care credit was already notified that there was no proof of contract but still reported I owed them

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 2023-10-03
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 2023-02-21
Company: Nationwide Credit & Collection, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
NATIONWIDE CREDIT & CO has reported that I owe money for a medical debt. I was never informed I owed anyone ( medical practitioner or facility ) for this debt or given an opportunity to review what is being billed for or even the medical notes that can justify this billing. I have disputed this with the credit reporting agency, but they say it is valid. I can not get anyone to give me records of what or who this is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Experian Information Solutions Inc.
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have 9 fraudulent accounts showing on my credit report that I believe are the result of identity theft. I had a recent tenant screening report pulled on me through experian, and that's when I was notified of several accounts in collections. All of these accounts were sent to an address that was not mine in Florida where I do not live. I have lived in XXXX Hawaii since XX/XX/2006. I notified each collection acct by letter that they were not mine and to send me proof. They replied to me by mail after 45 days and none of them deleted the fraudulent accounts or sent me proof of who opened the accounts in my name. I filed disputes with all the accounts with experian. And again all the accounts were confirmed as accurate. I also disputed a fraudulent address that was listed on my report in Florida. I was asked to send them an identity theft report rgd the address which I did. I called to follow up and they still havent removed the address. ( XXXX XXXX XXXX XXXX Fl XXXX ) I have placed a fraud alert on my credit report with experian. Below is a list of the fraudulent accounts on my credit report showing as collections that are not mine. 

XXXX XXXX XXXX # XXXX {$650.00} XXXX XXXX XXXX # XXXX {$2700.00} XXXX XXXX XXXX # XXXX {$620.00} XXXX XXXX XXXX # XXXX {$2000.00} XXXX XXXX XXXX # XXXX {$2400.00} XXXX XXXX XXXX # XXXX {$810.00} XXXX XXXX XXXX # XXXX {$600.00} XXXX XXXX # XXXX {$1800.00} XXXX # XXXX {$1000.00}

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 explanation
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
On XX/XX/2023 I called XXXX. 
The number given in the identity theft toolkit found on TN.gov for the credit beareau transunion. it said it could not collect the Then I called back and it sent me to a medical advertisement. I called a 3rd time and it had me give my ss # and then hung up on me. They also did not record the phone call. 
Then i called XXXX for the credit beareau XXXX. also found in the toolkit for identity theft toolkit on TN.gov. they recording started requesting social and address with out recording the phone call. I spoke with XXXX maybe fifteen minutes before requesting a fraud alert be placed on my credit. They were very helpful and gave me a confirmation number for the fraud alert. The other two companies are not cooperating at all. I need everything in my name credit ss # and credit frozen until an investigation can be done with everything on it and alerts directly to me if anything changes on my line of credit while the investigation is being handled.

Please help me contact who ever will record and take my phone call for Trans Union and 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 2019-12-05
Company: EQUIFAX, INC.
State: NJ
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:
ON XX/XX/2019 EQUIFAX LOWER MY CREDIT SCORE FROM XXXX GOOD SCORE DOWN 60 POINTS TO XXXX MAKING MY CRED SORE POOR 60 POINT DROP ... ALL BECAUSE I CLOSED A MERE XXXX LIMITED MASTER CARD WITH XXXX XXXX XXXX THAT I HAD LESS THEN A YEAR OLD CLOSED ONLY BECAUSE I FELT I DINT NEED THIS CARD ANYMORE. 
AT THE SAME TIME I PAID DOWN OTHER CREDIT CARD BALANCES MORE THEN 1000.00 OFF MY TOTAL DEPTH WITH NO POSITIVE EFFECT FROM EQUIFAX I FEEL THIS IS A TOTAL INJUSTICE FROM EQUIFAX I PAY MY BILLS ON TIME ALL THE TIME ... AND THIS IS MY REWARD .... 
WHAT DO THE DO TO PEOPLE THAT DONT PAY? HANG THEM!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: IN
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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This account was permanently deleted from my XXXX reports and they transferred this account to a collection agency as a sold debt without my consent to sell my personal information. There are many violations according to FCRA.

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 2020-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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/2020 I sent a letter regarding in accurate and unknown information on my credit report. Til this day over 50 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to remove those items from my credit report. It has been 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was impacted by the XXXX  data breach and may have gotten in the wrong hands.

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 2020-12-31
Company: Experian Information Solutions Inc.
State: CA
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 XXXX/XXXX/2020 I sent a letter regarding in accurate and unknown information on my credit report. Til this day over 50 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to remove those items from my credit report. It has been 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was impacted by the XXXX data breach and may have gotten in the wrong hands.

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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, 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 2020-12-31
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received onXX/XX/XXXXenclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my 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 2023-05-04
Company: Experian Information Solutions Inc.
State: MN
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've asked them to update my name change on my profile. I've been trying to send them my court ordered name change documents, but their system to upload documents is not working, and they only way is to mail it. I have mailed it and they are saying they haven't received it. They will not address their website situation for me to upload my documents which are in kilobytes and not megabytes. I feel they are stone walling 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 non-monetary relief