BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have a filed a complaint against The XXXX and Transunion previously but since my complaint they have let the US Dept of Department of Education rereport the same loan again as a new loan and its dropped my score XXXX  more points. Theyve removed the old account showing that they've previously reported the same loan under a different account number. They just reported it as new a month ago and closed that and reported it again. I have been fixing my credit and my score was up in the high XXXX XXXX its now XXXX on XXXX. Someone has to be able to stop them from letting the US dept of education from doing this. The information they're reporting is a lie. The loan is XXXX XXXX XXXX. Its not a new loan. This is wrong. Someone need to stop the US. DEPT OF EDU from doing this. Or XXXX  and TransXXXXunion needs to stop letting them do this. Enough is enough

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 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I, XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed 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 2022-05-24
Company: Experian Information Solutions Inc.
State: TN
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 have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. Please provide the Bill Of Sale or original loan documents. I have not received this information Per Section 623 ( a ) ( 3 ) I believe my right are currently being violated and this is also a violation of the FCRA. 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 regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2023-10-19
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: MD
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:
Experian, XXXX and XXXX have not processed my dispute in the last 50 days. They are now in violation of several different FCRA codes.

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 2023-05-19
Company: EQUIFAX, INC.
State: IN
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 sent a letter on XX/XX/2023 to Equifax. Here is my tracking number XXXX. However the credit bureaus said they completed the investigation and everything was 100 % accurate. According to the law 15 U.S. Code 1681a - Denitions ; rules of construction. The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specic factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to? How did they complete this investigation?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: EQUIFAX, INC.
State: CA
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: Problem getting your free annual credit report

Complaint:
I had tried to obtain my free annual credit report for 2022, as I do every year. I had no problem obtaining my report from XXXX and XXXX, but was refused report by Equifax, criminal organization that is spying on Americans and has already leaked their data, including mine, to hackers. When, at XXXX website, I moved onto the stage of getting Equifax report, a window popped up asking me only 2 questions, none of which pertain to my identity, email address and phone number. My phone number is not any of the business of Equifax, I'm already suffering from constant spam calls forcing me to change the number, neither Im required to own a phone number to receive my annual free credit report, as established by law! This demand is a gross violation of my privacy by Equifax. What's next, submit DNA to them to get my free credit report? I had been getting this report for years and was not asked for a phone number, this is illegal demand and is discriminatory against people who do not have a phone. Currently I do not have active phone! I provided my phone number and was refused service. I tried twice and while 1st time they demanded to call them, 2nd time they just gave me garbled message with all info blacked out clearly meant to be misinformation, I saved screenshots, for example the phrase " Our customer service is available between XXXX, XXXX '' was used, XXXX. I tried to call them and faced long hold, also was not helped and demanded personal data I'm not comfortable sharing with their faceless, nameless reps who can steal my info and identity! Equifax is required to provide free credit report to consumers, they are blatantly violating the rights of Americans, while stealing, illegally collecting and selling our data. I demand Equifax to cease and desist hiding my credit report from me ( they're doing it to force me to pay them and give them even more data on myself they're not entitled to ) and be charged with federal crimes they had committed and prohibited from further operations in the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally FrauXXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
State: NY
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 contacted this company XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for VALIDATION of some accounts which by law I have this right. The company responds back VERIFIED but FAILED to show HOW as I requested all three times. 
My three collections, HOW did you validate? I can say for a fact that I have proof eastern account systems is inaccurate being I have actual proof XXXX was PAID. How was XXXX verified? So how is it exactly these accounts validated? I have a right to know and if this was not done, removal. I have a right to see the contract to each of these companies showing I owe them by terms of a contract with my signature, This is my right to obtain this and this is by law the only way they can be reported on my report. This contract is to show their company names and my signature to be a valid debt by law. 
The accounts by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX are all INACCURATELY REPORTING. These XXXX accounts show XXXX in payment history, they show 100 % payments on time but yet CHARGE offs! Law code 15 is code 1679c states ALL INACCURATE ACCOUNTS ARE TO BE REMOVED IMMEDIATELY! I asked to validate XXXX XXXX and XXXX XXXX  also to a simple valid. How was this validated? 

When I questioned inquiries I was IGNORED. I called each of these companies and they have no record of me and told me to contact the reporting agency, so why am I being ignored? Who is XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXXXXXX XXXX  on XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello, how are you sending this complaint by this means and have tried to remove the fraud alert from my credit report, they asked me to send my documents to verify me and remove the alert I sent my DOCUMENTS more than 20 days ago and they still do not receive them  I want to send my DOCUMENTS through this complaint thanks.

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 2023-03-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a credit card with XXXX bank. 
It was charged off in XXXX with a balance of {$2000.00}. 
I reached a settlement with them for {$910.00} which is supposed to be paid by XX/XX/XXXX. 
I sent a check for {$910.00} which they received by XX/XX/XXXX and it was posted to account on XX/XX/XXXX. 
According to the agreement, " As of the date of this letter, your account balance is {$2000.00}. Once receipt of the agreed settlement amount of {$910.00} by XX/XX/XXXX ( plus an additional 15-day waiting period to validate funds ) is confirmed we will consider your account balance settled- for an amount less than the full balance - and will send an update to the credit reporting agencies '', they didnot update my credit reports accurately. 
On XXXX, they updated my credit reports saying I made the payment of {$910.00} and remaining {$1100.00} as still balance on the account instead of reporting settlement and making the balance XXXX according to settlement agreement. 
This inaccurate reporting is affecting my account status utilization ratio and thus affecting my credit score adversely. 
I reached out to Office of the presidents, XXXX for resolution but there is no resolution after two weeks of initiating a complaint with them. 
If they don't respond to this complaint and update my credit reports accurately by reporting a settlement when it was completed back in XXXX, I will bring a lawsuit against XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: VA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights.

1

5 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 written instructions 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 records of convictions of crimes which antedates 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28
Company: EQUIFAX, INC.
State: CA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
Someone is using my information to apply for lines of credit, home loans and car loans, it is bringing down my credit score and becoming harder for me to build credit. I do not believe i should be punished for these unauthorized applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Delete this account. 
4. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 
7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 
8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  XXXX Account Number : XXXX Delete this account. 
9. there is some inaccurate information reporting. 
Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: ERC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is information that is on my consumer report, that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made an error, or is my request to block being made on the basis of a material misrepresentation of a fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ENHANCED RECOVERY CO L XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
NAVY FEDERAL CREDIT UNION AND ITS NON EMPLOYEES WHO'S NAME WAS XXXX FROZE MY XXXX OVERDRAFT ATTACHED TO MY CHECKING ACCOUNT THATS IN GOOD STANDING WITHOUT GIVING ME PRIOR WRITTEN KNOWLEDGE THAT MY OVERDRAFT WOULD BE FROZEN AS THE LAW REQUIRES. 
XXXX ALSO OECN XX/XX/XXXX AT XXXX INTO THE NEXT MORNING SAID HE DIDN'T WORK IN COLLECTIONS WAS DEMANDING I PAY FOR ANOTHER ACCOUNT OR MY GOOD STANDING ACCOUNT WOULDN'T HAGE MY OVERDRAFT PROTECTION. THATS NOT WHAT MY INITIAL CHECKING TERMS AND AGREEMENT STATES ..NFCU also on my online still had my checking account XXXX and some cents after I made a deposit of XXXX Today at XXXX XXXX on XX/XX/XXXX on my online account nor the date or error was updated but XXXX still accepted my XXXX bringing my account current and positive. 
XXXX was rude and my fiance tried to explain but he said he'd have to have the entire XXXX paid also in the positive causing me another financial hardships. 
Also I wrote the President of NFCU she transferred my account to Collections when nor my loan or checking account they opened without hesitation because I've been a good member and customer since XXXX. 
This has caused me to have to borrow money from family and friends therefore causing embarrassing situation that wasn't necessary. 
Only if they hadn't froze my account if I have to I recorded the violations XXXX the supervisor stated in our conversation. I was never contacted in writing or told by telephone as the law requires to collect a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation