BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 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. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

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 2023-08-10
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-29
Company: SRA Associates, Inc.
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX  informed me I needed to settle a credit card payment. I was able to successfully settle this with SRA associates and Im requesting that my credit report be returned to its previous status and that the delinquency notice be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have reviewed my consumer credit report and I noticed an unauthorized accounts from XXXX XXXX XXXX XXXX account under 15 USC 1681 number 3. Experian assumed this role without permission not only that you did not have my consent. Experian did not respect my privacy pursuant to 15 USC 1681 a number 4. Experian did not exercise its grave responsibility, the company was unfair, and partial. The company never had a permissible purpose pursuant to 15 USC 1681 b number 2. I never instructed or gave any consent for the to be reporting in the first place. What I am demanding now is that you all delete the accounts off of my report. Experian also is the only reporting agency reporting this account. They also have all of the payment history for each month as a collection this was never reporting of 30, 60, 90 days late. Please see 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 explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, 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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
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 have hard inquiries on my report that I have no knowledge of authorizing : XXXX : XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX TRANSUNION : XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  : XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX I may be a victim of 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 explanation
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 2023-04-19
Company: The CBE Group, 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:
Hello, I am filing a complaint against all 3 credit bureaus ( XXXX, XXXX and XXXX ) They are reporting multiple collections that are not mine ranging from {$240.00} all the way too {$4000.00}. I have sent letters to both the collection agencies and to the credit bureaus explaining to them that Ive never signed a contract with them to do any kind of business. They are fraudulently reporting inaccurate information. I am demanding that these items are removed. XX/XX/2023 I sent certified letters off, asking the collection agencies to please document that the items are in dispute. I also sent certified letters to all 3 bureaus asking them the same thing. Nothing has occurred and they continue to report fraudulently every month. There are several laws being broken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is a follow up Compliant against Rushmore Loan Management and XXXX 
Under XXXX vs XXXX XXXX XXXX. Case # XXXX in XXXX XXXX Ohio Court. The case began in XXXX and previous complaints were filed XXXX, XXXX, XXXX. 

XXXX Purchased the property on or around XXXX/XXXX/XXXX. The sale was confirmed around XXXX XXXX. The Bank had 30 days to pay the Sheriff 's Department the owners equity the remaining balance or forfiet there deposit. The Bank did not pay the remainging balance and owners equity until on or around XXXX XXXX, XXXX. The Bank as Plaintiff did not schedule or allow a move out date or date for the owners to remove any personal property. 

The Bank should have lost their deposit and been held in contempt of court for not complying with the law. The owners had to maintian homeowners insurance on the property while not having access to the property and are waiting for the home owners equity to be paid out. The owner 's request the CFPB review the past complaints as this could be the main reason the bank has delayed payment and foreclosure procedures to continue to cause financial harm and harrassment to the owners. 

Respectfully Submitted, XXXX XXXX XXXX, Owner and Executor of the Estate of XXXX XXXXXXXX XXXX, Ohio XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Real Time Group, Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On or around XX/XX/XXXX, I received a letter from the collection agency, The XXXX XXXX XXXX XXXX, stating that they were trying to collect a debt ( {$360.00} ) that I had with XXXX XXXX XXXX XXXX. ( XXXX XXXX XXXX ). And they will use any information I give them to collect the debt. Ref. # XXXX - My name as seen on the account : XXXX XXXX XXXX. 

Additional collection agencies whom I received the same type of letter : XX/XX/XXXX - XXXX  XXXX XXXX - {$570.00} ( Original creditor XXXX  XXXX XXXX. regarding XXXX XXXX XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX. - ref. # XXXX - {$320.00} - regarding XXXX BANK XX/XX/XXXX - Real Time Resolutions - {$320.00} - Regarding XXXX XXXX  - Ref. # XXXX XX/XX/XXXX - XXXX  XXXX XXXX XXXX - {$710.00} Re : XXXX XXXX XXXX. - Ref. # XXXX In accordance with the Fair Credit Reporting Act, the list of accounts attached have violated Federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 section 602 A, states that I have the right to privacy.

15 U.S.C. 1681 604 A section 2 : States that a consumer reporting agency can not furnish an account without my written instruction.

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 7 years.

15 U.S.C.s 2 ( A ) ( 1 ) states a person shall not furnish any information relating to consumer t5o any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. See attached supporting document.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: CAINE & WEINER COMPANY, 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:
Hello, I am filing a complaint against all 3 credit bureaus ( XXXX, XXXX and XXXX ) They are reporting multiple collections that are not mine ranging from {$240.00} all the way too {$4000.00}. I have sent letters to both the collection agencies and to the credit bureaus explaining to them that Ive never signed a contract with them to do any kind of business. They are fraudulently reporting inaccurate information. I am demanding that these items are removed. XX/XX/2023 I sent certified letters off, asking the collection agencies to please document that the items are in dispute. I also sent certified letters to all 3 bureaus asking them the same thing. Nothing has occurred and they continue to report fraudulently every month. There are several laws being broken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: IL
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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau. ALL 3 } { Credit Bureaus : ALL 3 } { XX/XX/2023 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XXXX. XXXX. 2023 } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { 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 2023-06-29
Company: EQUIFAX, 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:
I have tried to get the credit bureaus to remove The XXXX XXXX Bank. I have no clue who this belongs to. I have never received any mail or anything from them and the credit reporting agency protects them. They treat me like Im lying, because they always protect them to remain on my credit report. Ive tried time and time again to get it removed. There was never any purchase or anything so I dont understand why they are determined to keep fraud credit off peoples reports. But instead they only listen to the business not the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have contacted Transunion in The past regarding items incorrect on my credit report. I have a family member who has the same last name and it appears these are his accounts on my reports. I have mistaken identity & I have been denied credit wrongfully, due to these errors. I would like for this information in this report to be updated and deleted immediately. According to FCRA 605B 15 USC 1681 you are required to block delete all info in 4 days related to identity theft or mistaken identity. I would like the fastest remedy and outcome to the matter. I have contacted an attorney & wish to handle & resolve this peacefully on my own first. Thank you for your prompt attention to this matter.

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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX  XXXX : # XXXX, XXXX XXXX XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX : # 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 15 u.s.c. 1681 section 602 A. States I have the right to privacy. 

15 u.s.c. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my writing 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 items 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 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 2023-09-16
Company: Global Lending Services LLC
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:
GLOBAL LENDING SERVI XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Balance {$6600.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX  Balance {$9700.00} Date Opened XX/XX/XXXX Collection Agency XXXX XXXX XXXX  Amount {$5200.00} Date Assigned XXXX XXXX, XXXX These accounts were made without my consent or authorization and has caused significant harm to my financial reputation. Despite my persistent efforts to rectify the situation, including MULTIPLE disputes, filing a police report, and submitting an identity theft report, the fraudulent charges has not been removed from my consumer report.

Company response to consumer: Closed with explanation