BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-15
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:
TransUnion listed closed accounts that I was told would be removed from my credit file. All documents were sent in to TransUnion. The companies are 2 Us Dept Of Ed accounts closed but not removed from. I sent in several letters and personally contacted the bureau along with the lenders. Not actions have been taken. The items still remain on my credit profile today.

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 2020-04-01
Company: Nicholas Financial Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
this is a charged off account for an automobile of mine that was repossessed a few years ago. I was trying to fix my credit so I had my credit report on my computer looking at it so I called the lender that I bought the vehicle from to inquire about the amount the vehicle was sold for at the auction and how much they claim that was charged off so while going over the file he the rep told me that he could mail a copy. then he proceeded to say that he seen an old complaint that I made to them about items that I did not receive out of the vehicle when it was repossessed. so I said no one never contacted me back so I just left it alone. so then he proceeded to get smart with me saying do you think we suppose to deliver them to you. so as to not engage in an argument with him I hung up. he kept calling back so I blocked his number. then 10 minutes later I received a notification to my email that someone just pulled my credit .I pulled up XXXX XXXX to see who it was and it was him the rep. I called him back and told him I just got notification that he pulled my credit and then put it in as a hard pull and stated auto loan. I was furious because I am trying to get my credit straight in order to buy a house in the next few months. he laughed and said yes he did and that I told him to do so I said I was reporting him he said so what and hung up I called you all and was told to file this form.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: EQUIFAX, INC.
State: MI
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 13 negative collection on my report that are still there even though they are closed I have disputed many of them but they say they did nothing wrong I also had a equifax breach on my report back about 6 months ago And I have loans that I didn't even apply for on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX initially double reported negative information on my reports. I had a lease that I had surrendered and I looked at my credit reports some time after and saw the lease, it was correct. Some late payments but was reported as satisfied and paid in full. Then there was another item from XXXX  stating that I owed XXXX. So I disputed the later being I have no clue what the XXXX account was, what they stated why I owed and their initial response was stating end of lease termination and deleted the account I was aware of and kept the one not belonging to me affecting my credit report with two items that were negative and falsely stating I owed XXXX dollars. My credit was adversely effected by this, lowering my scores. I kept disputing and finally it was removed from one of my reports but remains on others. I have no clue what this debt is. End of lease means nothing to me. I wasnt told at the time of leasing it that I would have a final payment. I was never notified of any charges owed. This has cost me credit and money due it resulting in lower scores and higher rates

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 2018-11-04
Company: EQUIFAX, 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:
On XXXX XXXX I checked my Equifax credit report, I notices two accounts on my report that not mine .I disputed this threes times with Equifax and they keep saying they verified accounts. But they NEVER sent me proof of accounts. I asking them again for a signed contract that shows my signature on it. If not they need to delete accounts from my report immediately. Accounts below 1.XXXX XXXX/ XXXX Acc # XXXX, Open date XX/XX/XXXX {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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:
On XX/XX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

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 2020-04-01
Company: Location Services Holdings, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX from " Location Services '' called me multiple times and then proceeded to harass my wife on her cell by calling 8 Times in 10 minutes. She would call from an unlisted number so I could not block the number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
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: Personal information incorrect

Complaint:
I have requested the Equifax update my address on the credit report several times. It's incorrect. Equifax has refused. I have also sent in the utility bill and other documents to have the address update..Now there is inaccurate information on my credit profile and Equifax is willingly and knowingly refusing to change it. 

In addition to that, I have tried on several occasions to pull my free annual report and Equifax is blocking that. 


I have also called and sent letters to XXXX as well so that they can update the address and its not updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-20
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XXXX   XXXX   XXXX    called me three t imes at my workplace on  XXXX   XXXX ,  2017 afte r being told during the first phone call that I 'm unallowed to take calls at work. The second phone call, they spoke to a co-worker and left a message. The coworker told them not to call the job. And then he called a final time, requesting to speak to me and spoke to the coworker that repeated not to call. He said he was an account manager and needed to speak to me regarding my debt, and he kept harassing my coworker. She simply hung up. This was all within less than an hour and a half.

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 2018-11-04
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
Hello, I'll be attaching scanned pdf files of the dates and what transpired. 

Briefly what occurred - XX/XX/XXXX : Wife passed away. 
XXXX : Received J.C.Penney credit cards, one for me and the other for my wife. 
XXXX : Called J.C.Penney to have my wife removed from the joint account due to her passing. They said they did not need a death certificate as they have their own way to verify the death. They said wait 30-90 days. 
XX/XX/XXXX : I charged {$21.00} at J.C.Penney for a XXXX gift. 
Early XX/XX/XXXX : I tried to charge another purchase but the card was declined. I ran a credit check and found J.C.Penny showing an Adverse Account as charged off. Also, it showed I was deceased. I never received a billing statement for the {$21.00}. I was confused about this and what charged off meant. 
As the attached pdf 's will show, the deceased was corrected by the reporting agency, but charged off remained. Later, it read Paid in full/charged off, but still showed Adverse Account. My credit score dropped at least 100 points for something I had no control over, due to the fact J.C.Penny had me deceased instead of my wife. Perhaps that's why I never received a billing statement?

Hope this is enough info.

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 2018-11-04
Company: Consumer Collection Management. Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Consumer Collection MN is falsely reporting on my credit reports and its stopping me from obtaining credit. Account # XXXX / XXXX / XXXX in the amount of {$190.00}, {$90.00}, {$200.00}, {$100.00}, {$230.00}, {$70.00}, {$970.00}, {$180.00}, {$280.00}, {$110.00} * Were you named on the original contract with the original creditor? 
* If not, do you have a contract between your company and me, signed by both parties? 
* If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving your information to a 3rd party without your knowledge or consent is  perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? 
* Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? 

Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.

The Maxim of Law - Silence Equates to Acquiescence ( Agreement ) states that if you don't address even one item as requested, you agree that my statement of fact is true. It is part of my full disclosure to you that I require a response and lack of receiving what is requested or demanded from you proves I owe you nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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: Their investigation did not fix an error on your report

Complaint:
In accordance with the FCRA, accouXXXX 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  AND XXXX BANKRUPTCY has violated my rights. The credit bureaus stated that my accounts was properly investigated but how is that possible if the open dates are inaccurate, the last date are inaccurate, an account that was file on bankruptcy has inaccurate dates, the balances are wrong and etc. This is grounds for removal from my credit reports. 15U.S.C. 1681 SECTION 602A states I have the right to privacy. 15U.S.C. 1681 SECTION 604A It also states a consumer reporting agency can not furnish an account with out my written instructions. 15U.S.C. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2023-08-04
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX, I was alerted to a new collection account being reported on my credit report. Upon further investigation, I was able to confirm that the alleged debt had passed the 7 year limitation, per the Fair Debt Collection Practices Act. It was first purchased, from the original company XXXX, by a collection agency by the name of XXXX XXXX XXXX. After the 7 year deadline had passed, this collection dropped off of my credit report. It later reappeared, being reported by a new company by the name XXXX XXXX XXXX XXXX, that must have purchased the debt from XXXX XXXX XXXX and was attempting to re-age the debt. I disputed the collection with Experian, the only credit bureau that had this listed on my report. They completed an investigation, and instead of denying it outright, they " updated '' it by adding more erroneous information. I once again disputed it, with the same result. I provided them with documents showing a past credit report listing XXXX XXXX XXXX as the previous debt collection agency reporting this debt, which I will attach to this letter. I also sent a letter directly to XXXXXXXX XXXX XXXX XXXX, requesting validation. They sent me back the original contract signed with XXXX  in XXXX, and a note written by XXXX, making the fraudulent claim that they had sold the debt to XXXX XXXX XXXX XXXX, when in fact, the company they sold the debt to was XXXX XXXX XXXX. So, to recap, this debt is older than 7 years, and by law, is required to come off of my credit report, but is being fraudulently re-aged.

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 2023-08-04
Company: Experian Information Solutions 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:
After pulling my credit report XX/XX/XXXX  Ive noticed discrepancies from each credit bureau regarding an account on my credit report this company XXXX XXXX XXXX  XXXX has report incorrect information to each credit bureau to keep my report at a negative

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 2022-09-29
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: Public record information inaccurate

Complaint:
I was written from a lady named XXXX XXXX  the house that I was living it was falling apart Places inspection was involved they came out to the house numerous of times I was told by my lawyer XXXX XXXX to put all money in XXXX  its a repairs of the house was fixed we didnt have to go to court XXXX XXXX your name is XXXX XXXX the judge ruled out that it would be settled in court as a satisfied judgment meaning I did not have to pay and there will be no evictions however XXXX XXXX Took it upon herself to put a eviction on my credit report when my lawyer reached out to him about that he then tried to put in a dispute on XX/XX/22 however the eviction still did not come off my credit I did reach out to TransUnion and TransUnion rental to let them know and I also submitted documentation that I have to TransUnion and TransUnion Rental they told me they are aware of the mistake however the eviction can not come off my credit Im not understanding why the eviction is not able to come off my credit when they see that its a mistake and I have documentation stating that its a mistake in an error I would like for this eviction to be removed off my credit as soon as possible when applying for a house or a mortgage the house and mortgage company can see that there is addiction not a judgment and not satisfied so I would like you guys to Take this mistakenly eviction off my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: EQUIFAX, INC.
State: SC
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:
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, an a respect for the consumers right to privacy. 

Any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates. 

Reporting information with actual knowledge of errors, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonably cause to believe that the information is inaccurate.

I have reached out to each reporting agency for a resolution but was not able to achieve one.

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 and number of Closed accounts that needs to be removed. 
XXXX XXXXXXXX XXXX date open XX/XX/XXXX. Not my account, XXXXXXXX XXXX XXXX XXXX, opened XX/XX/XXXX. Not my account. XXXX XXXX XXXX XXXX Opened XX/XX/XXXX. Not my account. XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX. Not my account. XXXX XXXX XXXX XXXX, this account should have been paid through my daughter Medicaid insurance. Should not be on my credit report. XXXX XXXX XXXX XXXX Open XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX opened XX/XX/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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer repot containing any of the following items of information Any other adverse item of information, other than records of conviction 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 response to consumer: Closed with explanation