BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, This Consumer Note is my official call for you to discontinue reporting of the items below-displayed and the aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and otherwise physically verified and validated claims. Due to at least these few compliance issues in your current reporting, I demand you prove beyond doubt your claims ( s ). 
This XXXX item is deficient as reported, as below-displayed in evidence of uncertified *HRCF12 questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO @ FORMAT compliance since, per CDIA, DNP 3-4 Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 
I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted the Federal Trade Commission. I explained in my letter that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified fraudulent account : 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 2019-10-19
Company: Diversified Adjustment Service, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Diversified adjustment services calls me from a new number all the time after I block them. I answer the phone and have explained that Im at hard times right now and my priorities are feeding my kids. They always follow with how I always say that and those are just excuses and that I need to be a responsible mother and pay my phone bill debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
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:
Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, there are two companies that I have sent letters for 5 times with no answer at all. I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I noticed that a collection from XXXX XXXX XXXX XXXXXXXX is on my credit for XXXX XXXX of which i have an account with and can log in and make payments of which i made one earlier. This account was never sent to collections and i would like it removed off of my XXXX and Transunion. I have no knowledge of this collection agency nor have i conducted any business with either.

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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX is violating 15 USC 1666b. This company is inaccurately reporting late payments on my consumer report on the following dates 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 2019-10-18
Company: BBVA FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I ordered food on the XXXX app but did not receive any food nor anything at all. Since my order was paid for on the app, the store manager XXXX told me they can not process refunds for purchases made on the app and directed me to dispute the transaction with my bank to obtain the refund. 

I disputed the transaction with my bank ( Simple ) and received a reply stating there is no appropriate resolution procedure and said sorry the merchant has been unhelpful. 

I didnt receive anything for the charge of {$5.00} and I have attempted a resolution with both XXXXs manager XXXX and Simple Bank with no success recovering funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2021-11-09
Company: Inflection.com, Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
As a condition precedent to violating my right to privacy, Inflection Risk Solutions , LLC, ( 'Inflection ' ) a consumer reporting agency per 15 USC 1681a ( f ) was to take proper procedures in ensuring it is reporting accurate information about consumers. As a debt collector per 15 USC 1692a6 in its conduct to conspire with XXXX XXXX XXXX to suspend my consumer account, it failed in its commercial obligation to protect the consumer. Absent a court judgment or without my prior written consent to use my nonpublic, personal property Inflection stole my personal property & used it for what I believe was profit, trade or gain of which I received no benefit nor knew about. By Inflection taking an adverse action against me, it caused me harm that violated my right to privacy, reported that I was a criminal & was the main source of my XXXX account being suspended leaving my family & I stranded for days, being inconvenienced in having to pay out more money to retain a place to live! In violation of 15 USC 1681a2, without first contacting me to verify if information it reported was mine or not, Inflection took the law into its own hands & took an adverse action against me, even though the information it reported was not mine! I do not take this crime lightly! I do not believe a company should be allowed in business causing harm to consumers that is not ethical, moral, legal or lawful! Nowhere in the FCRA or FDCPA is Inflection 's behavior authorized. The matter is not about confirming if a record is accurate or not. The violation occurred when I, a consumer was harmed by a third party debt collector intervening in my " private '' affairs that caused harm to me & my family. Where have I given consent for Infection to use my trademarked information in the 1st place? Can it provide my written consent to the CFPB? This is identity theft and unauthorized use by Inflection. What is Inflection 's claim of permissible purpose as I did not apply for any service, employment, etc., with them? What business is it of Inflection to intervene in my private matters & then profit for reporting misinformation that caused a harm to us? What model did Inflection use to make a legal determination about me? I believe Inflection discriminated against me when it used personal information to report negative and erroneous information it presumed was mine. 

Definitions : It, its, they refers to Inflection

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: SLM CORPORATION
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
on XX/XX/2019 I called in to Sallie Mae to continue my Forbearance with them and to pay on a loan that was due for {$120.00}. I asked the representative why the amount is higher than what i was told at the beginning of the month. She then continued to ask how i would like to make the payment. I Advised that i was told i only owed the XXXX not the XXXX they are trying to say. The representative then told me " she's not doing this back and forth thing with me and she is just trying to do her job '' I advised i didn't need her attitude and that i am asking her why my payments are higher than previously stated. She continued being very rude and transferred me to a manager who continued being just as rude to me. Their customer service is completely disrespectful and need to be held accountable for their disgusting actions.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: EQUIFAX, 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:
It has come to my attention that i have been 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, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. 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 very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on 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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft please remove this fraud inquiry 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 2023-12-11
Company: EQUIFAX, INC.
State: NC
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:
I did not consent to, or authorize nor benefit from any of the following inquires and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received some American Express Gift Cards through my rewards program with my AMEX credit card back in XXXX. I have struggled to find places to use them, as almost no merchants accept them. 

After MANY tries, I finally found a place to spend them, so I wanted to use them up and be done with them since they are such a hassle. During my attempts to spend the cards, one card was locked and put on " HOLD ''. The AMEX gift card website where you check your card balances said to call the number on the back of the card to resolve this. 

So I called them today, XX/XX/XXXX, and after being hung up on once, got someone who said they could not help me unless I gave them an 11 digit serial number on the back of the card. But there is no such number on the back of the card. They refused to help me otherwise. I then called the AMEX number associated with my rewards card and they could not help me either. And both numbers/individuals I called had no idea where I should call to try to get it resolved. 

So I have a {$250.00} AMEX gift card that is locked/on HOLD by the system for an unknown reason, that no one seems to be able to fix so that I can use it. And the company provided numbers that said that I was told would help me, can not. I was told by one CS agent that I was just out of luck. And that is not acceptable or fair. This card was placed on hold by the AMEX system - and no one can release it!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions 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 wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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 2021-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
Capital one and XXXX accounts and credit reports and cards are delinquent and have been featured and used without my knowledge and it is affecting my credit score it was almost XXXX points until some charges were put on with out my knowledge I would like a fresh start and my credit report to be revised

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX  Notice to Principal is Notice to Agent, Notice to Agent is Notice to Principal Subject : Demand for Removal of Charged-Off Accounts from Credit Report and Credit Profile To Whom It May Concern : I am writing to demand the immediate removal of any and all reporting charged-off accounts from my credit report and credit profile. Upon review of my credit profile and most recent credit report, I have noticed that these charged-off accounts are inaccurately reflected, and I am demanding their suppression and deletion based on specific legal grounds. 

According to the Internal Revenue Service ( IRS ) guidelines and federal case law, charge-offs are considered taxable income. In accordance with federal taxation statutes and established case law, income is defined as an accession to wealth, clearly delineated under the Sixteenth Amendment of the United States Constitution. Furthermore, case law, such as the landmark Supreme Court case Commissioner v. Glenshaw Glass Co. ( 348 U.S. 426 ), solidifies the principle that income encompasses any accession to wealth, regardless of source, and is subject to taxation unless explicitly exempted by law. 

Given the aforementioned legal precedent and IRS classification of charge-offs as taxable income, it is evident that reporting charged-off accounts as part of one 's credit profile is erroneous and misleading. Charge-offs do not reflect ongoing financial obligations or active credit balances but rather constitute a tax consequence that is separate from the creditworthiness of an individual. 

I am hereby demanding that the charged-off accounts listed on my credit report be promptly suppressed and removed in adherence to federal law and the established legal understanding that charge-offs should not be part of one 's credit profile due to their classification as taxable income by the IRS. 

According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to ensure the accuracy and fairness of the information contained in consumer credit reports. As such, I expect your agency to take immediate action to rectify this discrepancy and expunge the aforementioned charged-off accounts from my credit report within 30 days of receipt of this letter. 

Failure to comply with this request within the stipulated timeframe will leave me with no choice but to pursue legal action to enforce my rights under the FCRA and seek remedies for the inaccuracies present in my credit report. 

I appreciate your prompt attention to this matter and expect a written response confirming the removal of the charged-off accounts from my credit report within the specified timeframe.

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 2018-12-26
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, I received a letter from National Credit Systems , Inc. in response to a letter from a XXXX XXXX regarding a Debt collection. The letter was dated XX/XX/XXXX in regards to a debt owed to XXXX XXXX for the amount of {$730.00} ; however, I did not incur any debt when I moved from this apartment complex back in XX/XX/XXXX. I was never notified, by XXXX XXXX. ; of any questions following my leaving their site neither, and they had all my contact information. I responded with a letter of explanation to NCS on XX/XX/XXXX requesting information. I received only a copy of my lease and a screenshot print out of an incorrect move out date. This printout did not match the ledger details or any other paperwork from XXXX XXXX that I had received in the past. This appeared to be a scam. I received another letter XX/XX/XXXX from a XXXX XXXX of   XXXX XXXX XXXX, XXXX ( XXXX ) and spoke with a XXXX XXXX and XXXX - they both said that they are collecting a debt for XXXX XXXX, but when I called them on XX/XX/XXXX and spoke to the reps who said that they were representing XXXX, then they said XXXX XXXX, and they yelled that I need to get a lawyer when I tried to explain that I did not owe any money, and I could provide proof. I called National Credit Systems, ( XXXX ) on the the same day, and they mentioned this law office on their phone system. Then, I spoke with a rep who says that the XXXX XXXX of  XXXX XXXX XXXX represents National Credit Systems. It appears that the debt collector, National Credit Systems , Inc. is representing themselves as the XXXX XXXX of XXXX XXXX XXXX, XXXX. in XXXX, GA. I have reached out XXXX XXXX several times, and finally was able to speak with XXXX XXXX on XX/XX/XXXX ; who informed me that they are no longer tied to the company XXXX, and she was not aware of any debt collection proceedings through them. She advised me to contact XXXX at ( XXXX ) XXXX but no one answers their phone. A collection from National Credit Systems remains on my Credit report with all 3 agencies since XX/XX/XXXX, and has prevented me from rental applications, and has reduced my credit score to prevent me from other purchase and application activities. I want this removed from my credit reports and dissolved since this debt is not correct, and I have paid XXXX XXXX in full prior to moving in XX/XX/XXXX.

Company response to consumer: Closed with explanation