BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Although my credit report correctly reflects payments made on time for each month within my credit file, TransUnion continues to report a negative payment status and negative worst delinquency of 30 days past due for XXXX XXXX XXXX Acct # : # XXXX. I am not sure if TransUnion has somehow merged my information with someone with a similar name or birthdate that also happens to have an account with XXXX XXXX XXXX, but the negative payment status and negative worst delinquency information that continue to be reported by TransUnion are erroneous and damaging to my credit scores. When this account was open, payments were always made on time. This account has never been paid late and I have requested on multiple occasions ( in writing ) that TransUnion make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.

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 2023-03-26
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: Personal information incorrect

Complaint:
I am writing to update/ correct my personal information on file with your company. I recently reviewed a copy of my credit report. I am concerned because there is information that is inaccurate.

Please update my address Please update my name My only and correct date of birth Please remove all other addresses off my report, as they are not deliverable to me by the U.S post office, and they are not reportable as per the FCRA, since they are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Americollect debt collectors- Says for medical- XXXX maybe XXXX Have had medical insurance for many years due to medical conditions Tried to dispute they always deny. Says it meets requirements. 
They have 2 repeat bills- same bill twice $ XXXX and another i think {$67.00} 9 bills total.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: LEXISNEXIS
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:
On XX/XX/XXXX, I wrote to XXXX  explaining that I am a victim of identity theft and the bankruptcy reporting on my credit file is not mine ; supplying evidence and documentation. However, XXXX responded that the information was verified as accurate through Lexis Nexis. I have had my information suppressed with lexisnexis however, XXXX  refuses to remove this fraudulent account from my credit file in accordance with Section XXXX B of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XXXX, XXXX, XXXX, I sent an Investigation Request Letter to Experian, asking them to re-investigate my dispute against XXXXXXXX XXXX  XXXX Account XXXX, Date Submitted : XX/XX/XXXX, Date opened XX/XX/XXXX, Balance {$1100.00}, Date opened XX/XX/XXXX. Account number XXXX, Balance {$11000.00}, Account number XXXX, Date opened XX/XX/XXXX, Balance {$600.00}, XXXX Open/closed, Closed Date opened XX/XX/XXXX, as you will see, all three accounts are under one account number, as well as opening dates that has expired but company keeps updating from the original open date. 

Also, I call Experian on XX/XX/XXXX to dispute the previous addresses that doesn't belongs to me and the person I was speaking stated to me the addresses that are in dispute will be removed in 24 hours of our phone conversation and they did remove one of the addresses but added two more that was removed back on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX was re-inserted, XXXX XXXX XXXX XXXX, TN XXXX has not been removed and my credit score dropped another XXXX points because of this inaccurate information that is put on my credit report. 

The Credit bureaus all stated, The company that reported the information has certified to Experian that the information is accurate but how is that even possible if the open dates are all inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate. This is grounds for removal. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I have not given these accounts written permission to furnish these accounts on my credit report as well.

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 2022-07-13
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:
It has been brought to my attention that Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this complaint to help establish a legal recourse. If XXXX, XXXX, and TransUnion choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law... 
Please remove the following items as they are fraudulent & were opened without my consent or knowledge : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Reference # : 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 2023-10-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 

Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 
In accordance with the Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], provide clear and accurate consumers information : Experian Repeatedly Refused Remove the inaccurate personal information from my credit report cousin emotional distress as well as financial distress Experian Repeatedly failed to provide an option for me to dispute the incorrect personal information onLine, thus costing me additional money ( paper, ink, mailing fee, postage fee ) I XXXX XXXX once again Dispute the Inaccurate information as it appears in the credit reports generated by you Experian Report Number XXXX XXXX Under ALSO KNOWN AS XXXX XXXX - In -accurate - Experian refused to Delete, Failed to clearly and accurately report my name XXXX XXXX In -accurate Experian refused to Delete, Failed to clearly and accurately report my name XXXX XXXX In -accurate Experian refused to Delete, Failed to clearly and accurately report my name XXXX XXXX In -accurate Experian refused to Delete, Failed to clearly and accurately report my name I XXXX XXXX In -accurate Experian refused to Delete , Failed to clearly and accurately report my name Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX In -accurate - Experian refused to Delete, Failed to clearly and accurately report my name XXXX XXXX XXXX XXXX XXXX XXXX In -accurate - Experian refused to Delete XXXX Failed to clearly and accurately report my name Experian response to my phone and email disputes : Since names, addresses and employers don't affect your credit score, consider disputing only clearly incorrect personal info, as opposed to small spelling errors. 

****Please Remove this Inaccurate information as being in Dispute from my credit report Immediately Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a numerous amount of inaccuracies on my credit report as a result of me being a identity theft victim. 
XXXX XXXX account opened XX/XX/XXXX for a total amount of {$890.00}. This account is derogatory on my report. XXXX XXXX XXXX  opened XX/XX/XXXX which is delinquent and a total of {$470.00}. Convergent Outsourcing which is derogatory in collection. Opened XX/XX/XXXX with a total of {$750.00}. There is also a numerous amount of inaccurate inquiries on my report due to identity theft for car loans and credit card companies. My XXXX  report also stated that my personal information was found on the dark web. Due to identity theft my credit score dropped over 100 points.

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 2023-05-12
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-07-13
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment towards my credit card bill and it did not go through. The company advised that they saw the payment come out of the bank but that it was rejected. I was never notified of the rejection and gave me a late payment. I cant get a mortgage because of this late payments and the company will not help me in this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Experian Information Solutions 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 have been continuously disputing this account multiple times. I have been reaching out to Credit Bureaus and XXXX  XXXX XXXX hoping that they would resolve this issue. The account I am disputing is XXXX  XXXX  XXXX account number XXXX. The account continues to report as late in XXXX 2020. Please know that this late payment happened during the National State of Emergency which I made the bank aware of. 

First, I am disputing this account because I thought I was able to fix this with XXXX  XXXX XXXX when I called them regarding my payment. This should not be reported as late in my credit report. I know that like any other bank, XXXX  XXXX XXXX has a protocol based on the Cares Act that you would let the payment pass for that month due to Pandemic. I need this late payment removed from my credit report immediately. 

Second, this account reflects 0 payment made each month since XXXX. This is an open current account so I dont know why the payments are not reported.

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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

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 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 non-monetary relief
Consumer complaint received 2023-03-26
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: Account information incorrect

Complaint:
I had 2 secured credit cards with XXXX XXXX. After receiving a unsecured card from another credit provider I called XXXX XXXX and asked them to close these 2 accounts and refund what monies I had left in my savings after the accounts were closed. They stated that the deposits will be used to credit the amount owed on the cards, which I had no problem with that. I wasn't looking for a big refund since I had a balance on both cards. 
I just wanted the accounts closed! They said that it would be taken care of. So I waited for my refund, but instead I got a statement on both accounts that they were past due. So I was charged a late fee and I called right away to find out why these accounts were not closed as requested. They stated it takes 15 day to make sure no further charges came through. So they continued charging me late fees and if I recall I think they charged me a over the limit fee. I told them I was not going to pay late fees and these accounts should have been closed and my little refund sent to me. So since I told them I was not paying any late fees. They kept reporting my account late until they finally sent it to collections and wrote it off as a charge-off and continued reporting it to all the bureaus. These account were secured and they should have been closed as they were asked. Nope let 's charge him late fees/over limit fees and write it off as a charge-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions 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:
XXXX XXXX XXXX is falsely reporting a credit card in my name on my credit report with an open date of XX/XX/XXXX with a charged off amount of $ XXXX reporting XX/XX/XXXX. I disputed the account first with XXXX XXXX, my long time Bank back in XXXX of XXXX and also disputed the false reporting with Experian, XXXX and XXXX in XX/XX/XXXX. After an initial denial of my dispute, my research led me to discover my rights being violated in accordance with the Fair Credit Reporting Act 15 U.S.C. Sec. 1681i ( a ) If there is no proof delete item. This false reporting has also violated my rights in accordance with 15 U.S.C. 1681 section 602 I have a right to privacy and section 604 A consumer Agency can not furnish an account without my written instructions. No proper investigation occurred which is a violation of my rights in these acts. I have been trying to get this off my credit reports for 6 months now and this false reporting has made it impossible for me to obtain loans or financing to care properly for my family and myself. I have sent three letters to XXXX XXXX, called on the phone and have disputed the account to the credit reporting agencies, with 3 letters and online disputes through each agency as well. It has been a frustrating experience to say the least.

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 2023-12-28
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 8th 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 XXXX XXXX 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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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