BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-16
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:
This Consumer Note is my official call for you to discontinue reporting of the items below-displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise 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 XXXX 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 XXXX FORMAT compliance since, per CDIA, DNP XXXX 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 that I have contacted the Federal Trade Commission. I explained in my letter to 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 financial 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

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 2019-06-18
Company: NCC Business Services, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
NCC Business # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: Experian Information Solutions Inc.
State: NJ
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 been requesting Experian to correct my name on my consumer report. Since XXXX of this year they are reporting XXXX names for me, I have called them XXXX times and written them a certified letter with a copy of my drivers license and my bank account with the correct spelling of my name and they still refuse to change it. Recently I have applied for a loan and was denied. 

I will also forward a copy of the loan denial and other documents thru certified mail that I can't upload to this site.. I will send them thru certified mail as soon as I have a reference number from your office Also in my dispute letter to Experian I have detailed dates and documents, which I will upload here or send certified mail

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 2021-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have requested and disputed inaccurate information reported to credit bureaus by XXXX XXXX XXXX since XXXX  and asked them to validate the debt. I filed a CFPB several times since XX/XX/XXXXand have received no response. I have also filed several disputes with Transunion who also refuses to provide any documentation to validate the debt. According to FDCPA, Since both XXXX and Transunion failed to respond to these validation request within 30 days fromXX/XX/XXXX, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Also, since every action XXXX & Transunion has taken is considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This will include any listing of any information to a credit-reporting repository that could be inaccurate, invalidated or malicious. Since XXXX I never received any notification from XXXX that is required under FCR guidelines. Also at that time they reported that the debt was owed to XXXX XXXX ( I paid the surety bond directly before move in ). Once I disputed with XXXX, they updated the original creditor from XXXX XXXX ( never made any collections attempts ) to XXXX XXXX XXXX AFTER XXXX XXXX XXXX received XXXX XXXX XXXX payout. This collection tactic is deceitful. I have attached the copy of my XXXX  credit report as proof that XXXX and Transunion switched the original creditor from XXXX XXXX to XXXX XXXX XXXX on my credit reports.

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 2024-01-05
Company: Ability Recovery Services, LLC
State: WY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Got hit by a truck that swerved into my lane, insurance company took most of the money for themselves and gave us option of either getting {$800.00} and they don't pay hospital debt or we basically get nothing. We chose to get the {$800.00}. The debt has been resold 3 times now and has hit our credit each time. 

If not for this collectiobs/ reselling stuff my credit would be over XXXX, right now it's dropped to XXXX. 

I can't afford to pay this and it has been over 5 years now since the accident.

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 2024-01-04
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Credit reporting 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:
Transworld systems reported to the credit bureau that I owed XXXX {$130.00}. I disputed this with the credit bureau, however, a year has past and this error is still listed on my credit report. The most recent listings indicated that I opened the account in XXXX. I have not had a XXXX account since XXXX. I have no knowledge of owning XXXX any money.

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 2023-11-16
Company: AmeriHome Mortgage Company, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I purchased my newly built townhome in XXXX. This XX/XX/XXXX, my mortgage company Amerihome Mortgage increased my monthly bill by {$1300.00}, claiming my tax property increased. This does not make sense and after some researching, I've found out that the tax was for the whole building and not for my one unit out of the four. Basically they are saying that I have to pay a XXXX sq feet townhome unit a tax of {$16000.00} for year XXXX when it was supposed to be a quarter of that. They made me called my county and I did and the county provided me with a new parcel id in pdf form and corrected my tax assessment. However, my mortgage company until now is saying that they've already paid about {$8000.00} in tax ( semi annual ) and that they have called the county who can not provide the correct tax amount and that they needed proof ( which I already provided with the pdf that the county sent me ). I did not pay my XXXX bill because they are supposed to be investigating and it is in the late payment status which I fear will affect my credit. They are not giving me a time that it will be resolved and that it has been causing me a lot of stress and XXXX. When I asked them why did they just pay my tax without thinking how insane the amount is, they said it is required by law of what was bill to them. I don't understand why they would pay on my behalf if my finance is not in their best interests and that they do not do any due diligent to before paying my property tax and now forcing me to pay the amount that they've made a mistake on.

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 2023-08-06
Company: Experian Information Solutions Inc.
State: IL
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 Fair Credit Reporting Act XXXX XXXX Acct. No. XXXX, has violated my rights. 
o 15 U.S.C 1681 section 602 A : I have the right to privacy.

o 15 U.S.C 1681 section 602 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions o 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 the records of conviction of crimes which antedates the report by more than seven years o 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 explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: DC
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: Received unwanted marketing or advertising

Complaint:
In XXXX, I was one of the victims of the Equifax data breach. To obtain compensation for the inconvenience caused, I had to file a claim. According to media reports, Equifax assumed that most people would not bother to submit a claim, and if the total claims exceeded {$31.00} XXXX, the payment to each claimant would be reduced. As one news report stated, " Customers have very little recourse, '' which was reminiscent of Equifax 's business practices. Despite this, my claim was approved. 

In XX/XX/XXXX, I received my first notification that the claim would be paid. However, so much time had passed that the law firm handling the matter did not have my current address, and they informed me that they would need to issue another check. In an email, they stated : " We wanted to let you know that we have received your request to reissue the check, and settlement payment will be reissued as soon as possible. '' I have not heard from them since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, 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 DO NOT RECOGNIZE THE FOLLOWING INQUIRIES ON MY CREDIT 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 XXXXXX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have contacted the credit bureaus numerous times to delete the personal inaccurate names on my credit report. I submitted a copy of my driver 's license and social security card as well. Those inaccurate names still have not been deleted per my request. 

15 USC.s 2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Inaccurate names to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Blakely-Witt and Associates, 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 collection account BLAKELY WITT & ASSOC is not mine. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: Experian Information Solutions 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:
I am a victim of identity theft.

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 2022-11-16
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
To whom it may concern, I am reporting predatory business practices by COMENITY - New York & Co. credit card services. I paid off my credit card in full on XX/XX/XXXX, in the amount of {$500.00}. 

Then I received another bill in the mail stating that I owed {$6.00} even though the account was paid off, which was confirmed over the phone. According to them, I was paying late fees. I then pay that bill and an additional charge of {$9.00} over the phone on XX/XX/XXXX. On that same phone call, I tell them to close the account. On XX/XX/XXXX, I got a bill for {$16.00}. I called them to dispute it, and according to them, the {$16.00} is another late fee because my last payment was late. 

On XX/XX/XXXX, they stated that they had removed all the charges, and my bill was paid in full. Today, on XX/XX/XXXX, they stated that I owed {$190.00}. 

There is clearly no way to pay off this card in full. COMENITY - NEW YORK & CO. are predatory in their practices. They do this because they know people will continue to pay in fear of non-payment affecting their credit scores. 

The information that I have on this company is the following : The address for return payments is XXXX XXXX XXXX XXXX, TX XXXX. 
The website for this credit card is nyandcompanycard.com. The company that the card is aligned with is COMENITY. The phone number that I have for this credit card company is XXXX. 

Please let me know what can be done to stop their predatory practices. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Re : SS # : XXXX Good afternoon : I have reviewed my credit file and there are several discrepancies that need to be updated immediately beginning with my XXXX accounts- there 5 accounts that show " potentially negative '' with a XX/XX/XXXX date that I am certain have been hacked along with several others that show this date. Now, these accounts have never been more than " in good standing ''. I called XXXX today and they indicated they have never changed the status of my accounts so I am asking that this information be changed to report correctly. 

XXXX  account is a third party collection agency. The original account is almost XXXX XXXX XXXX ( XXXX ). Please remove it immediately. 

XXXX XXXX - ( XXXX  XXXX ) was included in a past bankruptcy and should not be on my credit file at all. 

XXXX IS A SCAM -- REMOVE IT NOW. 

Lastly, the credit bureaus are not reporting accurate information as I received an email stating my credit FICO score increased and within an hour XXXX aimed back that it changed. This has been going for months sometimes the score drops more th. XXXX points. How? Is that possible when I've never seen more than XXXX point increase. Not just XXXX... XXXX and transition too. 


If you have any questions, please contact me at XXXX. Furthermore, if these requests require disputes -- I am disputing them and they should be resolved in a timely manner. 

Thanks, XXXX XXXX XXXX Confidentiality Notice : This e-mail message is intended for the recipient named above. The information contained in this email is confidential and/or proprietary to above mentioned parties.The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer.

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 2024-01-03
Company: HYUNDAI CAPITAL AMERICA
State: IL
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:
I submitted a complaint and the company responded and said that the vehicle was repossessed. However, this is inaccurate because I voluntarily returned the vehicle to a Hyundai dealership. This should not be reflected on my credit report, and I request that the financing company remove this from my record.

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 2023-08-06
Company: Experian Information Solutions Inc.
State: IL
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:
I just received my reinvestigation back from Experian. Experian then said that all of the accounts that I am disputing are 100 % verified and accurate. I would like to receive the description of their investigation in accordance with 15 USC 1681i ( 7 ). I ask because after completing my own investigation of the negative accounts I listed below, they are not 100 % accurate. The open date, date last active, High Credit, XXXX XXXX, and date of last payment are not 100 % across all XXXX XXXX XXXX XXXX. XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX Experian did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). I attached an updated consumer report as evidence

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 2024-01-03
Company: Experian Information Solutions Inc.
State: MO
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:
Experian closes another complaint without fixing anything or doing anything

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