BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Based on the provided account information from the credit report for XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ), here are the inconsistencies and incomplete information among the three major credit bureaus ( TransUnion, XXXX, and XXXX ) : Account Number : TransUnion, XXXX, and XXXX all report a partial account number as " XXXX. '' Account Type : TransUnion reports it as an " Open account. " XXXX reports it as an " INSTALLMENT '' account. 
XXXX reports it as an " Open Account. '' Account Type - Detail : TransUnion reports " Open account. " XXXX reports " Debt Buyer.  '' XXXX reports " Open Account. '' Bureau Code : TransUnion and XXXX report " Individual account '' as the bureau code. XXXX reports " Individual Account '' as the bureau code. 
Account Status : TransUnion and XXXX report " NotsatisfyingF20_TRADE '' as the account status. 
XXXX reports " OK '' as the account status. 
Monthly Payment : None of the bureaus report a monthly payment for this account. 
Date Opened : TransUnion, XXXX, and XXXX all report a date opened of " XX/XX/. '' Balance : TransUnion, XXXX, and XXXX all report a balance of " {$770.00}. '' No. of Months ( terms ) : XXXX reports " 1 Month '' as the term for this account. 
TransUnion and XXXX do not provide a term for this account. 
High Credit : TransUnion, XXXX, and XXXX all report a high credit of " {$770.00}. '' Credit Limit : None of the bureaus report a credit limit for this account. 
Past Due : None of the bureaus report past due information for this account. 
Payment Status : XXXX reports " Seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department '' as the payment status. 
TransUnion and XXXX do not provide a payment status for this account. 
Last Reported : TransUnion, XXXX, and XXXX all report a " Last Reported '' date of " XX/XX/. '' Comments : There are comments indicating that the account is placed for collection. XXXX also includes a note about consumer disputes and reinvestigation in progress. XXXX does not provide comments. 
Date Last Active : TransUnion and XXXX report a " Date Last Active '' of " XX/XX/. " XXXX reports a " Date Last Active '' of " XX/XX/. '' Date of Last Payment : None of the bureaus report a date of the last payment for this account. 
Two-Year Payment History : XXXX reports " CO '' ( charge-off ) for the month of XX/XX/, while XXXX reports " OK '' for all months. TransUnion does not provide a payment history for this 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 non-monetary relief
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Based on the provided credit report information from TransUnion, XXXX, and XXXX for the XXXX XXXX Bank account, here are the inconsistencies and inaccuracies in the data between each credit bureau Account Type - Detail : TransUnion and XXXX report " Revolving account, '' while XXXX reports " Credit Card '' as the account type detail. This is an inconsistency in the account type detail. 
Bureau Code : TransUnion and XXXX report " Individual account, '' while XXXX reports " Individual Account '' as the bureau code. This inconsistency is minor but still exists. 
Monthly Payment : TransUnion reports a monthly payment of " {$0.00}, '' while XXXX and XXXX do not provide this information. The inconsistency is that TransUnion has a specific monthly payment amount, while the other XXXX bureaus do not report any monthly payment. 
No. of Months ( terms ) : XXXX reports " Revolving '' under this field, while TransUnion and XXXX do not provide any information. This inconsistency is that XXXX specifies the term as " Revolving, '' while the others do not have this data. 
High Credit : TransUnion reports a " High Credit '' of " {$640.00}, '' while XXXX and XXXX do not provide this information. The inconsistency is that TransUnion reports a specific high credit amount, while the other two bureaus do not report it. 
Payment Status : TransUnion reports " Charged off as bad debt, '' XXXX reports " Charge-off, '' and XXXX reports XXXX CO '' ( which also signifies a charge-off ). While they all indicate a charge-off, the wording and abbreviation used are different. 
Last Reported : TransUnion reports the last reported date as " XX/XX/2023, '' XXXX as " XX/XX/2023, '' and XXXX as " XX/XX/2023. '' There is a discrepancy in the last reported date among the three credit bureaus. 
Date Last Active : TransUnion and XXXX report " XX/XX/2023, '' while XXXX reports " XX/XX/2023 '' as the date last active. This is a significant discrepancy in the reported date last active. 
Two-Year Payment History : TransUnion, XXXX, and XXXX provide different information about the payment history for the past two years. Each bureau has its own set of months and year-specific data. This inconsistency is due to differences in how each bureau reports this history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: F.H. Cann & Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I contacted the company the weeks of XX/XX/XXXX - XX/XX/XXXX in regards to a debt that was in collections. Speaking with several agents over a week period I countered their settlement agreement and was advised that it was not accepted. I advised them that I was not able to accept the offer they provided and asked them to send me a letter in writing stating that my offer was not accepted. I was advised that they would not be able to send me no such letter. Speaking with a supervisor he advised the same thing and told me they would be able to send me a letter with the offer they provided. At that time I disconnected the call and made no further attempts to resolve the debt. 

On XX/XX/XXXX I received two letter in the mail from the debt collector, one stating the amount they would accept and the other advising the binding payment agreement we agreed upon which never happened. I contacted the debt collector on XX/XX/XXXX advising one of the agents of the letters I received and advised her that I never agreed to payment arrangement. She stated that she was able to see in the notes where I did. I advised her that I did not I offered an amount that was not accepted but I never agreed not accepted they over they provided, let alone made a binding agreement. She then placed me on hold to get a supervisor. The male supervisor came on the line and advised me that the letter I received was not an agreement letter it was an offer letter stating what they would accept. I told him that I received two letters one with the offer and another stating that I came to a binding agreement and it had the terms and conditions. He advised me that I could ignore the letter throw it away and I do not have to pay it if I don't want. I advised him that was not the problem and that I never made an agreement and that was false/fraud. I told him that I would be filing several complaints and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
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:
The information on my credit report is not correct. I don't know these account I didn't apply for any of them. I don't understand where is come from and why I see them. I think someone used my personal information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX, a XXXX XXXX Account ( XXXX ) that was disputed through Experian and XXXX, was removed from my account after the dispute process. XX/XX/XXXX, the account was added back to my consumer report. 

According to 611 ( a ) ( 5 ) ( B ), if any information that has been deleted from a consumer 's file is put back onto the file, the consumer reporting agency is suppose to notify the consumer of the reinsertion in writing no later than 5 business days later after the reinsertion. I was never notified of the reinsertion. 

I have called and sent letters to resolve this issue, no response.

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 2023-02-09
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items from my file immediately : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am disputing the account ( XXXX XXXX XXXX XXXX Experian ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 
including small claims court in my area. This is my warning. I demand you to delete these items at once. 

I have also included the letter 's confirmation number that asked for the proper debt validation to XXXX XXXX XXXX, whom failed to send any qualified evidence. Confirmation number : XXXX This account has violated the following U.S codes : 15 U.S. Code : 1692d, 1692e, 1692g, 1692f, 1692j and 1692k

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 2022-07-16
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:
The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2021-07-27
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I submitted my first dispute request over 60 days ago and I have yet to receive any updates regarding my request from any of these bureaus. This is now my 2nd request and listen I'm pregnant and due to have this baby in 2 more months I don't need all this stress worried about incorrect information in my report. I have to find a bigger place to live before this baby comes and this is hindering me from being able to do so. I'm not sure what the hold up is but I need some anwers an update or something. If I go into XXXX XXXX worried and XXXX about this I will file a lawsuit. The FCRA stated that if nothing is done within 30 days it should be deleted well I have been waiting more than 60 and I can't wait anymore. Your website says you are here to protect the consumer well I'm a consumer and I need to be protected not giving the runaround when I call they say they dont have anything which I know aint true or they say they need to verify my identity how many times do I have to send my gas bill and social security card? I pray someone can help me this is tiring and stressing me out

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 2021-03-08
Company: SYNCHRONY FINANCIAL
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 recently became aware of incorrect information on my credit report in regards to a PayPal Credit Card. Apparently that card was taken out in XXXX. Payments were made on the card ( not by me ), but subsequently, the person who initiated the charges stopped paying. Somehow, this card and charges have been inaccurately associated with my credit report. When the person stopped paying, Synchrony charged it off and sent the account to XXXX XXXX, a debt collector. 

When I have contacted PayPal Credit, by phone, no agent will speak with me because they can not identify me as a PayPal Credit cardholder ( I do not have the complete account number and my name does not match ). As far as I can tell, neither my correct address, nor my correct name is on the delinquent PayPal Credit Card account with Synchrony Bank. 

Using this inaccurate information, Synchrony Bank has decided I am a credit risk and preemptively closed two of my accounts that were never delinquent and that have been paid on time - a Care Credit Card and a TJX Rewards Card.

The PayPal Credit Card account should never have been associated with my credit report if the information does not match. The name used to open the card is not my name and the address used to open the account is one that I have not lived at since XXXX. 

I sent this information to Synchrony Bank and asked them to initiate an investigation of the account so that they could remove the damaging information from my credit report. 

On XX/XX/XXXX, I received an email from Synchrony bank making reference to the Care Credit Card account that Synchrony Bank closed. This was not the PayPal Credit Card account that I am disputing should not be on my credit report. 

If anyone at Synchrony Bank had taken the time to actually read my letter they would have recognized that it is the PayPal Credit Card charges that I am disputing and not a Care Credit Card that has a {$0.00} balance on it. Why would I dispute that account? 

To make matters worse, Synchrony Bank has now informed the three Credit Bureaus that they have resolved my dispute and that the charges are accurate! And they have not investigated the account I am disputing! 

I am asking that Synchrony Bank initiate an investigation into the PayPal Credit Card associated with my credit report. I never opened the account in XXXX, never paid on that account, and have never received a bill from Synchrony regarding that account. 

That card should never have been associated with 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