BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Today I write the FCPB due to the malice and misconduct that I've had to endure for 3 months within my genuinely-approached encounter in having disputed the inaccurate information that remains on my impact-holding credit report, for which I have furnished and provided evidence against. 

It seems unbelievable to have engaged a scenario, where I encountered invalid, inaccurate, and false information on my credit report, and proceeded in a proper manner to take the justified measures to have it resolved ; contacting the Credit Bureau, with direct, clear, insightful evidence that proves the inaccuracy and falsehood that lives on my credit account. In my reality, what is to be unbelievable, is how this case, where I discovered and disputed information that was found to be damaging, with evidence against it, received a response from this said giant, this corporation, that delivered their stance at the disregard of the evidence that invalidated the inaccurate fields that they hosted on my account and its invalid account standing. The official response was to proceed in up hosting and upkeeping the false, harmful, and inaccurate data that the evidence clarified discrepancy against, but one. At this response, it was where all sense of voice, protection, righteousness, safety, and foundation that I believed a human held, and I as a genuine victim, held, was removed.

Its conclusion is one that is still affecting me today, internally. It is one that made me experience a sense of reality that held no righteousness, honesty, truth, morality, or level of safety. Encountering a corporation that nefariously felt too large to go against, yet, in an infrastructure that my heart knew to be democratic and American. 

Having endured this is where I write you : Consumer Finance Protection Bureau. 

The information that is being disputed as inaccurate is highlighted and organized in the evidence and document attached below. 

XXXX : The 'Payment Received ' in my account negatively, and falsely, shows {$0.00}. The evidence shows this account has very genuinely and clearly received a balance adjustment that grew over the {$0.00} neglectfully published. This being only one of the numeral inaccurate information that lives on the account, it shows just how large of an impact an inaccurate report can have on you XXXX : The 'Personal Information ' of my name, shows frivolous information that incorrectly publishes my name as 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 2023-05-11
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:
According to FCRA LAWS 15 U.S CODE & 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charg 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 2022-06-17
Company: EQUIFAX, INC.
State: TX
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  account has violated my rights. 
XXXX5 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 Inquires : 1 XXXX XXXX Equifax 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax 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 2021-09-21
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: Their investigation did not fix an error on your report

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 I'm 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 promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
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: Their investigation did not fix an error on your report

Complaint:
Dear Sir/Madam, This is my second request for details of the procedure you followed when investigating accountnumber [ XXXX ] with [ bureau_name ]. 

I sent you a request for this informationand have received no responsePer the Fair Credit Reporting Act, a consumer may request a description of the procedure used todetermine the accuracy and completeness of disputed information. It also states that the creditthe bureau shall provide a description of such investigations within 15 days of the consumer 's request. 



It has been well over 15 days which means that you are in violation of the FCRA.To avoid further action, please forward to me a description of the procedure taken in order todetermine the accuracy of the account number [ XXXX ] including but limited to, the nameof the creditor, along with their address and phone number. 

Also, I want to know who you spokewith and on what date.

Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account is incorrect and needs to be deleted. Please send me a corrected credit reportalong with the description of your investigation.

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 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Mailed dispute letters XX/XX/2022 to XXXXXXXX XXXX and transunion. Sent a demand to comply letter XX/XX/2022. No results received, nor any communication

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 2019-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
ALL THREE CREDIT BUREAU 'S ARE ALLOWING XXXX AND XXXX  TO CONTINUE TO RE-AGE MY ACCOUNTS. BOTH ACCOUNTS SHOULD BE REMOVED. THE LAW STATES THAT IT SHOULD BE REMOVED 7 YEARS FROM THE FIRST DELINQUENT PAYMENT. I HAVE REACHED OUT TO EACH AGENCY AND BOTH COMPANIES AS WELL. NEITHER HAVE FOLLOWED THE LAW BY COMING UP WITH THE INFORMATION. THEY JUST TELL ME THAT THEY PERSONALLY HAVE VERIFIED THIS INFORMATION. NEITHER HAVE SHOWN ME WHAT THEY SAW. THEY WILL ALSO NOT TELL ME HOW THEY VERIFIED THIS INFORMATION. I HAVE LOST OUT ON JOBS, HOUSING, AND MANY OTHER THINGS DUE TO THE INCORRECT AND ILLEGAL REPORTING OF THESE ACCOUNTS. BOTH ARE WELL OVER TIME TO BE DELETED. XXXX EVEN HAD ONE OF THEIR COLLECTION COMPANIES SEND ME A LETTER IN WRITING TELLING ME THAT THEY DID NOT HAVE THIS INFORMATION. I COULD NOT BELIEVE IT. THIS INFORMATION WAS JUST UPDATED AGAIN THIS MONTH EXTENDING THE TIME ON MY REPORT AND DAMAGE TO MY PERSONAL QUALITY OF LIFE AND OPTIONS.

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 2022-04-17
Company: Paypal 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Date : XX/XX/2022 This is a notice of dispute pursuant to the Fair Credit Reporting Act, section 623, subsection ( 8 ) ( D ). The specific information being disputed is the derogatory nature of the information you have furnished to the credit reporting agencies in connection with the above mentioned account.

The basis for my dispute is your company was required to notify me prior to, or no later than 30 days after furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I am unable to locate documentation you complied with this requirement. 

Therefore, provide me proof of notification ( i.e. a copy of the actual notification sent ), and proof that it was delivered to me in a timely manner ( i.e. a dated certified mail delivery confirmation with my signature ). 

If you can not provide proof of notification and date of receipt, then you can not substantiate you followed the procedures required under the Fair Credit Reporting Act. In addition, by not being able to substantiate you performed your duties imposed under that title, you are now in direct violation of it. 

Therefore, the continued reporting of negative information to the credit reporting agencies in connection with the above mentioned account may constitute the furnishing of false information with malice or willful intent to injure me. 

To correct this error I suggest you modify the account accordingly, report the results of your investigation to the consumer reporting agencies to which you furnished the information, and provide me written verification thereof.

You have 30 days from the date you receive this notice to complete your investigation and respond pursuant to the Fair Credit Reporting Act, section 623 ( 8 ) ( E ) ( iii ).

In the event you fail to respond to this dispute or provide insufficient proof of notification and date of receipt, I will have no other choice but to seek administrative enforcement with all applicable agencies identified in section 621. In addition, I may also seek the assistance of a legal firm specializing in class action lawsuits. 

Thank you in advance for your cooperation. 

Sincerely, XXXX XXXX Attached is proof of identification and a current bill, identifying me and will suffice throughout all future correspondences.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently pulled my report, and there are many accounts reporting I have no idea where/ what or who they are from. Some are not even reporting company names, payment histories or any legally needed information to report legally through the bureau. I have tried to dispute with the bureau but to no avail.

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 2022-06-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2022 I mailed Equifax requesting removal of unauthorized inquires and incorrect information. As a result of that my online access to access my Equifax account has been blocked and I am not able to log in and see any of my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I requested a copy of my credit report from TransUnion and found many errors and misrepresentation of my true credit report. I have requested for these derogatory information to be removed from my credit report. There's approximately 56 account inquires which shows TransUnion did not follow there own procedures. However, they claimed to use a third party to verify my information instead of contacting me. I believe TransUnion failed to use ID.me for third party verification. If they did there's no evidence of who they used as a third party without notifying the actual consumer. I have reported several times to all three bureau of my identity being stolen. I even submitted letters from other establishment stating my identity was stolen. I have asked to have my US Dept of Education information to be removed and it still appears on my credit report that my accounts are in collection. Which is not true. I am XXXX and those accounts are closed. I would like for all these derogatory information to be removed immediately from my permanent credit report. In-order to savage my credit rating and clear my credit history with unwanted information using the U.S. 15 Code 1681c-2 Block of Information resulting from 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 2022-04-17
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was repeatedly put on administrative forbeance in order to have my loan interest accumulate. And my online account stated completely different information. It's fraudulent and unethical. My original loan amount was {$27000.00}. I allegedly owe {$41000.00} according to my loan amount. There is a class action settlement for the loans that we're affected during the time that my loan was with Navient. This reporting of fraudulent activity is against the law and is negatively affecting my debt to income ratio because of the unlawful actions taken on my loan. My loan is also reflecting a {$16000.00} Pell Grant that I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Mercantile Adjustment Bureau is attempting to collect a Debit which i am in no way obligated to pay at all. I have no contract or dealings with Mercantile and I would like ( 15 usc 1692 ) I hold no olbligation to the company, I refuse to pay and would like them not to contact me futher in regard of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax, XXXX XXXX XXXX is obligated by the FCRA to report accurate accounting, Consumer has advised that ALL inquiries reported was fraud. Said company has 4 days according to the Law to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting Equifax, XXXX XXXX XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, Equifax, XXXX XXXX XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for an e-oscar report, if Equifax, XXXX XXXX XXXX does not have documentation to show these were in fact authorized, it must be removed as soon as possible. SAID company is liable under the SEC to follow certain rules. Equifax commission file number XXXX :, XXXX XXXX XXXX. XXXX XXXX XXXX : XXXX commission file number 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 XXXX XXXXXXXX firms to audit consumer account XXXX EQUIFAX us securitizing consumers data yet refuse to provide consumer with a copy of their CONSUMER file but instead provide a Consumer Report/ Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-04
Company: Atlantic Recovery Solutions LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Atlantic Recovery Solutions has been contacting me under their alias " ARS '' since at least XX/XX/2020 via calls and texts. They never properly identified themselves or the reason for their call so I did not first make contact with them until XX/XX/2020 at XXXX ( via telephone ). The representative was accusatory and unprofessional. However, I proceeded to request debt validation be sent via mail only and requested not to be contacted by phone again. The agent became upset and stated they " would not stop calling '' and disconnected the line without notice. On XX/XX/2020 I received a text from my mother stating that a company named ARS has been contacting her regarding me. On XXXX my sister reached out to me stating ARS has been contacting her as well. On XX/XX/2020 at XXXX I spoke with a representative at ARS again and requested the full company name, address and debt validation in writing. I was transferred multiple times and when I complained to the " Senior XXXX XXXX '' I was told I signed up for my family members to be contacted. I did not give this company permission to contact my family member 's. They knew how to reach me and were unwilling to put the request in writing as requested. ARS has called and texted me from multiple numbers referencing a " legally required notice, paperwork and a case ''. However, they never identified themselves as a debt collector or gave notice this was an attempt to collect a so-called debt. I have phone records and copies of the text and call log to support this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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:
I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent

Company response to consumer: Closed with non-monetary relief