BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in XXXX XXXX & financially... and I would truly not what to pursue a legal remedy... I'd like the accounts below deleted from my file ASAP : XXXX XXXX XXXX XXXXXXXX, 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 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} ; Medical XXXX Balance : {$780.00} ; XXXX XXXX XXXX Balance XXXX {$100.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I recently viewed my credit report and found that, they are numerous accounts ; that were not authorized by me. This is affecting me, in buy my first house for my family.

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 2023-07-08
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have had four texts, emails and phone calls about fraud on my card. Four times in two weeks. When I called they said they cancelled it. Then I got another text/email and phone call about fraud on a card that's not even mine. I called on that one, they said they cancelled that one, which one? It wasn't mine. Then I went online to check my status and another two fraudulent charges were on my new card. I called and they cancelled the new one. Then on XX/XX/23 I got another fraud text/email/ phone call on my card. I called again, she said it's the same issue and the card has been cancelled, they're just re-sending the texts/emails/phone called. She said she'd note to stop sending the messages. That's not a resolution to me. What is going on? Obviously Citi is out of control.

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 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-06-29
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I spoke with a representative of MIDLAND CREDIT MANAGEMENT who called my phone several times. As I wasn't aware of the number I didn't respond initially. After several repeated calls during the week. I finally answered assuming the matter was likely important. 

After speaking with the representative. I realized she had little to no information in regard to the debt she specifically claimed I owed. My issue is with the communication. When ask where the credit came from. She fumbled, had no information to provide me. She then placed me on brief hold and returned to inform me that the debt came from XXXX XXXX. 

The representative was completely unprepared to discuss any of the information she claimed to have in front of her. There was a major lack in professionalism. I continued to inform the representative that the debt was in fact paid to XXXX XXXX yet she insisted it hadn't and when asked what information she had. She was unable to provide it to me. 

What perplexed me even more was she had no record of the amount owed. I had to ask her several times as she fiddled around with her papers before she could give me a final amount. I then proceeded to inform her that I would need to check back with XXXX  XXXX and I would get back with MIDLAND CREDIT MANAGEMENT. She informed me to get back with her as soon as possible as this could " negatively effect my credit ''. 

Unfortunately, 48 hours later. The debt collection showed up on my credit report without notice. I would like it removed by MIDLAND CREDIT MANAGEMENT. I honestly do not have a problem paying the bill, but when a representative is ill informed and provides little to no information in regard to the debt she's attempting to collect. I find that highly unprofessional and somewhat disturbing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ON XX/XX/2019 I SENT MY 3RD LETTER REQUESTING ANY FORM OF PROOF OF DEBT FOR AN EXAMPLE DOCUMENTS BEARING MY SIGNATURE ON IT, DOCUMENTS WITH MY SIGNATURE STATING THAT I AGREE TO PAY THE FULL AMOUNT ALLEGEDLY CLAIMED AND ANY OTHER PROOF THAT I DO INDEED OWE THE ALLEGED DEBT. I ALSO REQUESTED THE VERIFICATION PROCESS AND INSTEAD THEY REFUSE AND SEND ME LETTERS STATING THAT THE INFORMATION IS VERIFIED AND ACCURATE. I AM NOT ASKING IF IT WAS VERIFIED OR ACCURATE I AM ASKING FOR PROOF AND YET THEY IGNORE MY REQUEST WHICH IS AGAINST THE FCRA LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Sterling & Associates, LLC
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted by XXXX XXXX calling in reference to the preliminary hearing that was set up with a no contract no show and need to hear from me immediately at XXXX. When I called, I was transferred to XXXX XXXX representing Sterling and Associates stating that I had taken out a payday loan that was not paid. If I did not pay restitution I would be charged with XXXX XXXX XXXX. I was told I had until XXXX to pay them {$1300.00}. I found out later this was a scam. I called the clerk of courts and was told I did not have any court cases pending nor any charges against me. Now I have to wait for the money to post before I can file a fraud complaint with my bank. This is awful to do to people who work very hard for their money! I will be reporting it to the police as well. This is Grand Theft.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-10
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
XX/XX/23 Received a inquiry on my credit report from JPMCB Card services. I did not request or start an application for any line of credit through Chase. I called Chase to speak to a representative to confirm the inquiry and open/pending application that I in fact did not submit. I could not get a live person on the phone as suggested by XXXX. I also have frozen my credit accounts as suggested by XXXX as well. They started a dispute but it's remaining and this is unacceptable. I did not request a credit card with Chase nor start an application with Chase. I have file with XXXX  as I seen this is not the first time someone has had very similar situations. I did call Chase to " check the status of a pending application '' which required to enter my SS # and in which I did and it could not find anything. However this is very important and I'm requesting this to be resolved by removing this HARD inquiry on my credit report that was not caused by myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-21
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: Investigation took more than 30 days

Complaint:
I sent a letter to all three credit bureaus disputing the late payments on XXXX XXXX on XX/XX/2020. The credit bureaus are reporting different months I was late on all three credit reports which are inaccurate. I have never been late on my mortgage.

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 2023-12-14
Company: DISCOVER BANK
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I filed a ftc report pertaining to this alleged fraudulent charge card account and sent the ftc report to Discover Bank. Making them aware of the fraudulent charge card account that was opened by someone else using my identity. The company responded back to me through USPS mail stating that. This account was in deed owned by me which is 100 % false information. When I first contacted the company Discover Bank about this issue through the CFPB complaint website. Their company didn't even have my current address on file in their system until I filed a complaint using the CFPB portal website. And they took my address where I have currently been residing since the year XXXX and committed fraud themselves. By switching my current address on the bank statements that they sent me through USPS mail. On XX/XX/XXXXXXXX  when in fact this fraudulent account had been open under a completely different address that do not belong to me. As XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX. I have uploaded and attached the " REPRINTS '' with this complaint showing proof that. Discover Bank have committed fraud using my identity to make the credit reporting agencies believe this account legally is owned or belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-12-14
Company: EQUIFAX, INC.
State: GA
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:
This is an urgent notification letter that your company needs to pay more attention to, and provide fast resolution. Recently, I scanned through my updated credit report and I found some inaccurate and incorrect accounts on my credit report. As Ive said to you from my previous letter, I find these negative accounts so misleading because I have no memory of such charges and transactions. Kindly take this off now from my files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -Equifax -- -- - XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 hope this message finds you well. I am writing to seek your assistance regarding an issue with my credit report, specifically related to my XXXX account. 

Despite being charged off, my account is reported as 'charged off ' on a monthly basis. This ongoing reporting is causing it to appear as though new negative events are happening every month, which is misleading and inaccurate. 

As per the Fair Credit Reporting Act, a charged-off account should only be reported as such once, not continuously every month. This consistent reporting not only contravenes this guideline but also unduly impacts my credit score.

Due to these persistent inaccuracies and the adverse effect they're having on my credit standing, I kindly request your intervention to rectify this situation. I am seeking the removal of this account from my credit report, given its incorrect and misleading monthly charge-off reporting. 

Thank you for your prompt attention to this matter. 

Best regards, 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 2023-08-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I mailed physical copies of my original bankruptcy filing to XXXX, Equifax, and XXXX to demonstrate that they were reporting an inaccurate date and that the ten-year period is expired. Specifically, the Chapter XXXX bankruptcy filed in XXXX relates back to the XXXX Chapter XXXX bankruptcy that I filed but was dismissed without prejudice due to my XXXX and XXXX issues shortly after filing. Therefore, I requested that the bankruptcy be removed from each of my credit reports. 

1. XXXX promptly removed the bankruptcy 2. Equifax reported the bankruptcy as " verified '' XXXX. XXXX had the temerity to respond that their information ( likely from XXXX ) was correct. In other words, their privately harvested data is more accurate than a federal court order ( uploaded herewith ) I am filing suit in federal district court tomorrow. The number of inaccuracies, aside from the bankruptcy issue, combined with the number and frequency of inaccurate reporting by these agencies across the nation creates and perpetuates systemic economic disenfranchisement that disproportionately impacts people of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am XXXX XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2020-11-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The following account XXXX XXXX XXXX XXXX XXXX in inaccurate. The status should be paid as agreed for XX/XX/2020.

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