BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-21
Company: Experian Information Solutions Inc.
State: MI
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:
Hi I just recently applied for an XXXX XXXX XXXX XXXX card. To my knowledge any line of credit Im accepted for should not be used on my consumer report harming me. I would like all hard inquiries removed especially the most recent two from XXXX XXXX XXXX XXXX  and my XXXX XXXX XXXX XXXX Those are two accounts that I have open and have never been denied for. 

Also I want any social security number that does not end in XXXX deleted they are not not related to me. 

And lastly I would like any address that is not XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI 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 2023-07-18
Company: Experian Information Solutions Inc.
State: MO
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:
Please see the attached documents to understand what had happened.

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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any other consumer reporting agency if the person 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 2017-11-21
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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX, I sent Transunion Credit Bureau a handwritten letter to dispute two bankruptcies shown on my credit Case # XXXX and Case # XXXX. I sent this letter certified ( USPS Tracking # XXXX ) which it was received on XX/XX/XXXX. In this letter I requested Transunion to submit verifiable proof since these are unverified bankruptcies. Transunion sent me a response dated XX/XX/XXXX ( copy is attached ). Per their investigation, the information is verified as accurate and information updated. On XX/XX/XXXX, I mailed Transunion another letter ( copy is attached ), stating they did not provide me with a copy of any viable evidence. Transunion sent me a response dated XX/XX/XXXX ( copy is attached ). Per their investigation, the information is verified as accurate. Transunion has failed to provide me with the name of the company they verified this information with and the information I have requested so I can properly dispute this with the reporting company. I have verified and received correspondence from both bankruptcy courts and PACER, that they do not verify information with the credit bureaus. I do n't know who they verified this information with. This is a violation of the Fair Credit Reporting Act.

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 2023-05-11
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: Public record information inaccurate

Complaint:
On XX/XX/2023 I wrote the courts stating that I have a bankruptcy on my credit. The company responded XX/XX/2023 stating that they don't report to the credit bureau. I then sent a letter to XXXX, XXXX, and Equifax on XX/XX/2023 asking for this information to be removed from my credit report. They responded XX/XX/2023. This information is incorrect. The courts dont report to the credit beau. Therefore, I would like for this information to be removed my credit report. 

Each Credit Braue Is in violation of the following, 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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: Account information incorrect

Complaint:
I have sent out dispute requests on XXXX XX/XX/2023 and XX/XX/2023 to Equifax regarding account number XXXX. There are SO many discrepancies with this account, that it is XXXX that is can not be properly verified. I even requested a method of verification and Equifax has XXXX to provide me with that information. 
This account is being reported differently across ALL XXXX bureaus, and until XXXX of them can provide proof that they are reporting it correctly, THEY ARE ALL REPORTING INACCURATE INFORMATION. 
For instance, with this particular account, I am current on payment in XXXX but suddenly in XXXX I am 60 days late???? There are no more than 31 days in any given month, HOW IS THIS POSSIBLE?? This happens XXXX from XXXX to XXXX- I am supposedly 120 days late in XXXX but then 60 days late in XXXX? That is physically NOT possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10
Company: Phillips & Cohen Associates, Ltd.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was enrolled on debt settlement program the agency made a settlement agreement to the debt collection agency XXXX XXXX XXXX XXXX XXXX the Settlement Agency paid the XXXX XXXX XXXX  By monthly basis in the amount of {$180.00} for a period of 12 months a total of {$2100.00} which the payment was deducted from the funds. the agency collected. this fund came from a disability payment of my husband from his military service the {$2100.00} already receive by XXXX XXXX XXXX it means the payment agreement already completed. the XXXX XXXX XXXX XXXX did not take an action to remove the charge off as bad debt to the Credit Bureau and just ignore everything because they already receive a payment on their behalf, I don't have communication with this collection agency at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: EQUIFAX, INC.
State: CO
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:
REFERENCE : CFPB # XXXX I initiated this dispute on XX/XX/XXXX regarding the continuous delays in updating my credit file based on information sent from the consumer and the company. Equifax responded to the referenced CFPB complaint accordingly on XX/XX/XXXX : COMPANY 'S INTERIM RESPONSE *Equifax reviewed the complaint, its records and initiated a reinvestigation. *Equifax reviewed the consumer 's credit file for previous dispute history/contact regarding the item ( s ) listed in the complaint but no recent dispute history/contact was identified. *Equifax will mail the results of the reinvestigation within 30 days. 

THIS INFORMATION IS INCORRECT. Equifax has executed up to 3 disputes/reinvestigations regarding XXXX XXXX XXXX ( Account # : XXXX # XXXX ) in the last 30 days and they STILL HAVE NOT CORRECTED THIS INFORMATION. To report that there are no recent dispute history is a flat out falsehood and is bordering on fraudulent business practices to report otherwise. I confirmed today that the reinvestigation 'is still open ' according to latest rep that I 've spoken to this month. 

CFPB needs to take more steps to confirm what I already know and have reported versus simply logging their response. Require that they send a copy of my most recent credit file which will indicate that they have still not updated this account. The issue is the lack of timeliness yet you feel that 60 days for resolution is acceptable. The law indicates that CRA 's have no more than 15 days to resolve a dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. I INITIATED THIS REQUEST FOR A CRA UPDATE ON XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: PA
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:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident.

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 2022-02-10
Company: First Advantage LNS 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: Public record information inaccurate

Complaint:
I spoke with XXXXXXXX XXXX  and requested on XX/XX/2021 to remove the inaccurate information. I also consulted a credit repair company on my be hallf on XXXX. I spoke to XXXX XXXX multiple times during 2021 requesting to freeze report and stop reporting on XX/XX/2021. The account is still reporting and it is more than one account that is inaccurate. I still haven't had any help with information removed or no longer reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: MA
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
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:
Transunion is reporting inaccurate, fraudulent information of two company 's that I have never had any association with. I am victum of idenity theft and have provided Transunion with copies of my valid legal identity. This derogatory data, is resulting in failure of me obtaining a 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 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$850.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$470.00} XXXX  XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX  XXXX Date Filed : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed : XX/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 non-monetary relief
Consumer complaint received 2022-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XX/XX/XXXX, Friday, XXXX .P.M. EST I called Bank of America, Live Chat Line, Closed the account, and just made payments only the last XXXX years out of XXXX  years as a cardholder. 
I have made my monthly payments to Bank of America each month toward {$3000.00} since being a cardholder in XXXX, and my balance remains {$3000.00} ; my most recent payment was made on XX/XX/XXXX for a minimum due of {$88.00}. 

Bank of America XXXX Please investigate this matter for me. 
Thanking you in advance.

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 2022-05-20
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: Personal information incorrect

Complaint:
The credit companies are not complying with their own policies in a timely manner.

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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
YOU NED TO RE-INSERT THE FOLLOWING ACCOUNTS ATTATCH TO MY DOCUMENTS, I NEVER FILE A FRAUD ON MY REPORT. I'M BEGGING YOU. YOUR THANK YOU YOU FOR YOUR ATTENTION.

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 2022-05-20
Company: Fairway Independent Mortgage Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XXXX, Mortgage Loan Officer from Fairway Independent Mortgage Corporation, demanded we pay Loan Origination fees citing the Intent to Proceed ( initial document ) for terminating loan proceedings due to his own refusal to work towards agreeable closing terms, which included access to information that was not ours ( third party financial disclosures ). 

His tactics we're coercive and, at some points, bullying, to demand payment for services not rendered. 

Our decision to not use him was the way he spoke to us personally and his upright refusal to accommodate our reasonable and lawful requests as consumers. He even refused to lock our rate early on fully knowing that interest rates were on the rise ( beginning with a low 3 % and resulting over 5 % ). 

In the end, XXXX XXXX XXXX pushed us into an situation where opportunity costs to pursue better rates with a cooperative officer early on directly effected how much we will now pay per month for our mortgage by several hundreds of dollars. 

We feel that the fees he invented out of thin air when we requested to terminate is an unethical tactic that might be more common at this office or even Fairway Independent Mortgage Corporation altogether. 

This is just the story of what we terminated with, the long email chains and verbal confrontations prior to were also extremely concerning

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX General Rev has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX. XXXX, XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.

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 2023-06-09
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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