BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 2022-07-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have paid a car in full reported but they did not increase my score they keep decreasing my score with no reason reported unauthorized credit check with nothing done to please help report accurate info and delete false

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-02
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been having over-and-over a report placed on my credit report as a collection for {$1300.00}. I contact the credit bureaus and they re directly to contact them. Which I do so and I contact XXXX XXXX XXXX and request the actual application signed by me at the time I supposedly enter the emergency room or some type of documentation with my signature on it and they failed to provide it, instead, they sent one 's again the bill only without any information that proves that I did in fact obtain XXXX XXXX. I contact them several times and no resolution, instead, they were hostile toward me and told me I will be sued. I demand them to provide the information and they fail. 
This is hurting me and causing me a great deal of stress unnecessary. Someone needs to take action against this type of collector trying to collect money from people fraudulently, threateningly, and with hostile verbal abuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I sent in my driver license social card to removed old inquiries a stuff I didnt not do they didnt removed nothing. I sent in documents three time XXXX XXXX an XX/XX/XXXX am also XXXX XXXX I let them know the date of birth was wrong on there plus mailing address that I havent stayed at

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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report and all information in this matter. 

The fraudulent accounts are as follows : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXXDEPT OF ED, XXXXDEPT OF ED, 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 2021-08-25
Company: EQUIFAX, INC.
State: MI
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:
Disputed a inaccurate bankruptcy account reporting on my credit. I personally contacted the credit ( bankruptcy court ) to where this was being handled from ( main source creditor ) & they said they do not report to XXXX  XXXX  Equifax nor do they do to third parties. So I contacted & show written statements showing the credit bureaus ( XXXX  Equifax XXXX  ) where going against the law & they have not responded they basically said forget me I have been waiting for 50 days in contacting. So today I need the bankruptcy account & the accounts included in the bankruptcy reporting to be removed off my report indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a follow up complaint to the previous one dated XX/XX/2018. This company sent us each another check for the same amounts as the first checks that they disbursed. These checks also bounced so now we have received XXXX in fees from our bank. We again tried to contact XXXX XXXX   and were given the run around with no answer as to why they owe both my husband and I are owed over payment refund and why they keep stopping payment on the checks after they disburse them to us. Additionally, the account that this agency identified as a " XXXX '' account was actually a judgment through XXXX XXXX that was paid in full through the Wisconsin XXXX Amortization of debts that was completed in XX/XX/2018. This judgement was sent to an attorney in XXXX Wi named XXXX XXXX. This attorney has been given a notice that the debt has now been satisfied almost 6 months ago yet the debt still shows as unsatisfied with the court system. I have tried to contact this attorney with no response from her or her law firm. XXXX XXXX is using unethical and unfair debt collection practices. They never sent us a notice of where the money we were sending them each month through our consolidation was going and it turns out that XXXX of the accounts we paid off was not even our debt ( XXXX ). Additionally, they keep showing that they owe us about XXXX dollars back, they then mail us out two checks, and they then stop payment on the refund checks. This unethical and unfair debt collection process must be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
National Credit Systems Inc is reporting a debt that was paid in full on XXXX2021 in the amount of {$1500.00} yet they continue to report this item as unresolved. Pursuant to the FCRA the FDCPA and the FCBA ... .this is in violation of several federal laws

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this 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 non-monetary relief
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: OH
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 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 2021-10-08
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:
In XX/XX/2020 an derogatory account was reported for the amount of {$21.00}. I'm filing a claim under FCRA Section 611 ( a ) ( 1 ) ( A ) .I am in desperate need of this account being removed.

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 2023-06-02
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-06-25
Company: RS Clark and Associates, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The agency was asked to provide validation of an alleged debt on XX/XX/19. I sent the agency two original billing statements from the original creditor along with the VOD letter. The letter of response from the agency dated XX/XX/19 stated it had validated the debt and provided a copy of a Statement of Security Deposit Account with my name fraudulently added to the accounting statement and is clearly evident in the different font size of the names. According to the original billing statement the accounting of the charges are inaccurate as well. I wrote to the agency again on XX/XX/19 stating the statement was misleading and fraudulent since I had already provided an original billing statement from the original creditor with the true and correct information. Since the agency blatantly ignored the proof I provided I requested them to provide me with a contract with my signature on it, an affidavit signed under penalty of perjury or something other than a typed up document parroting incorrect information. The agency refused my request stating my dispute is frivolous, despite the original billing statements I provided, and the statement they provided was considered proper verification. Since the agency continued to report the fraudulent account I also disputed the information with all three credit bureaus providing the same information. The bureaus claim to have verified the information with the furnishing agency despite original billing statement I provided. It seems the bureaus are also just parroting information without doing there own independent investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I contacted Experian in reference to these Inquires, I advised them that I did not have any knowledge or approve of these inquires. I have since contacted Experian any several occasions and discuss my concerns with their phone representatives. I advised them that I have no knowledge of these inquires. The inquires I did n't authorize are as follow. I want these items removed from my credit report. Due to not being authorize XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 am submitting this Complaint via the CFPB to formally request an investigation and correction of the listed accounts that are inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. The Credit Bureaus ' current reporting is unacceptable. As per the Fair Credit Reporting Act, reporting must be 100 % accurate. If the Credit Bureaus can not ensure the accuracy of the information the Credit Bureaus are reporting, the Credit Bureaus must correct the accounts immediately. I demand that the Credit Bureaus take swift action to correct this matter, as any further delay or negligence will not be tolerated. I need the following accounts investigated and corrected as soon as possible : XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX Balance Owed : {$7900.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$3200.00}

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 2019-10-09
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After I was diagnosed with XXXX and had my treatment, I started having difficulty paying for my house, I submitted the documents for Modification, 2 years trying to achieve a mofificacion, I got sick of stress and impotence of not having my approval. I moved from my house and tried to make a shortsale and neither DITECH AND GREEN TREE OR XXXX  XXXX help me. I have a buyer paying Cash {$190000.00} and they do not accept, they do not respond .. I have the sale in 2 weeks and I will lose my house for them. please I need help!!! loan XXXX DITECH XXXX extension XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-11-11
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have thirty six closed Navient accounts beginning with the numbers XXXX that I have requested for XX/XX/XXXX and XX/XX/XXXX months to be reported as not late. It was returned as accurate despite my credit report showing my account was paid on time the previous four months ( see attached ). Subsequently, I requested all thirty six closed Navient accounts removed from my credit reports which was denied and reported as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: NY
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX XXXX Balance details Paid off - Balance - Balance updated - Original balance {$2600.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Rental Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Original balance {$2600.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. 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 legalaction against them. These were already included in my prior complaint and I'm including them again. 

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 2019-08-01
Company: EQUIFAX, INC.
State: SC
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:
Hello '' To Who is Reading This Message This is the second time that I'm sending out My Report I still see this Fraudenlt Account on My Credit Once Again I have been a victim of Identity Theft. I gave no one Permission to have Access to open any Accounts Under My Name. 
Thank you.

Company response to consumer: Closed with non-monetary relief