BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-16
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : XXXX XXXX XXXX I # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : Northwest Consumer Dis # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Co XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : 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 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the 3rd time I try to fix this issue with Transunion. I have contact and retained XXXX XXXX XXXX, Your Credit Reporting Agency ( Transunion ) has continued to allow these accounts to report in my name materially false and fraudulent accounts. 

We will also be sending out registered mail to the agency and dependent on the outcome we will choose the next legal steps. 

Please cease and desist all reporting of these accounts : XXXX XXXX XXXX - {$320.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Failure to fulfill your fiduciary duty as a data furnisher will inevitably result in a lawsuit filed by XXXX XXXX XXXX  on my behalf. You have a fiduciary duty under the FCRA 605 ( B ) to respond within 4 business days of receipt.

FCRA 605 ( b ) reads ; A consumer reporting agency shall block the reporting of any information in the file of a consumer, not later then 4 business days after the date of receipt.

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 2023-08-09
Company: Experian Information Solutions Inc.
State: GA
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 these creditors XXXX  Date reported XX/XX/XXXX, Date assigned XX/XX/XXXX Account number XXXX Amount {$1000.00} XXXX XXXX XXXX Date reported XX/XX/XXXX, Date assigned XX/XX/XXXX, Account number XXXX Amount {$240.00} XXXX, XXXX Date reported XX/XX/XXXX, Date assigned XX/XX/XXXX, Account number XXXX XXXX, Amount {$240.00} XXXX XXXX XXXX Date reported XX/XX/XXXX, Date assigned XX/XX/XXXX Account number XXXX XXXX, Amount {$1000.00} These accounts are reporting on XXXX, Experian, and XXXX These creditors have violated my rights under 15 USC 1681 section 602 states, I have the right to privacy 15 USC 1681 section 604A section 2 also states that the consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose Thanks in advance for your he

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 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number XXXX XXXX has violated my rights under 15 USC 1681, section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 ; A consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose!

I never gave this creditor permission either verbal or in writing!

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 2023-09-12
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have spent the past 3 weeks contacting credit reporting agencies ( XXXX, XXXX and XXXX ) about a recent collection notification on my credit report. Each collection agency has not provided adequate customer service to address the issue. In each instance, my inquiry is sent to various service agents. Eventually, my call is terminated after more than an hour on hold. 
Summary of issue : The collection agencies indicate that there's an outstanding debt of {$600.00} being sought by Fair Collections and Outsourcing. Further investigation on my part concludes that this is a fraudulent effort by the original inquiry company XXXX XXXX ( a leasing company ) to force payment on a non-existent debt. The debt in question is an administrative fee imposed by the leasing company ( XXXX XXXX ). This is a retaliatory effort, since I submitted a request for leasing reimbursement. The reimbursement was to address non-compliance of a leasing agreement. I have attached my original reimbursement request to XXXX XXXX for reference. This amount remains outstanding. Since they are a business entity, I am unable to follow suit with regards to reporting. In addition, I have never been contacted by the collection agency about the outstanding debt. Neither have I been provided the opportunity to showcase evidence that this is a fraudulent effort.

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 2022-10-17
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against the 3 credit bureaus if they do not validate these items. Please follow the law so that this situation can be settled quickly. 


XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XXXX : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : 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 2023-11-01
Company: CL Holdings LLC
State: WA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have had numerous calls from a debt collector claiming their attempting to collect a debt. I ask them for proper documentation of this debt. They just say for XXXX XXXX. I never received any documents other than an email demanding I pay them. They gave me a reference number in that email but there was nothing explaining why they think I owe them.. I responded back asking them to again provide proof or any information that they might have. They have no solid proof or real reason as to why I owe them. Jefferson Capital did not provide validation of debt they claim I owe. I asked for debt verification and they simply provided an amount owed and payment plans. NO form of verification. They are simply hurting my credit score and harassing me at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Big City Finance, LLLP
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Power finance Texas sent me a email saying I applied for a loan and was denied and the email indicated that there is a adverse notice. I have not applied or have given consent to apply for this loan please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX is the company consolidating all student loans on my CREDIT REPORT. To date XXXX is no longer the company consolidating my student loan debt. I have never owed any payments neither been late on paying as my account has always been in a differed payment status. XXXX reports a late payment on my account which is not accurate whatsoever. In addition, XXXX now claims to have no administration over my student loan accounts. They have transferred my student loan account to another company. XXXX has done so without having provided any proper/legal notices of this transferred/changed account status. XXXX is continuing to report on my credit as the administrator managing my accounts which violates the FCRA rules of truth and accuracy in reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 2019-07-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A VICTIM OF ID THEFT. I HAVE ENCLOSED THE NECESSARY DOCUMENTS TO HAVE THE ITEMS BLOCKED PURSUANT THE FCRA.

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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting a complaint today to inform the Credit Reporting Agencies about the damaging data they are reporting on my Credit File. After researching how to remove fraudulent items from my report, I discovered that I need to visit the Federal Trade Commission ( FTC ) or https : //www.ftc.gov to file a report. According to FCRA section 605b, the Credit Reporting Agencies are required to remove and block any accounts and information listed on an ID Theft Report. Upon recently receiving a copy of my credit report, I was shocked to find several accounts and inquiries that I did not open and have no knowledge of. I have attached relevant documents to assist in the blocking of this erroneous information from being posted on my report. The items in question are as follows : XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I firmly believe that this is a case of fraudulent activity, and I am taking steps to report it to the authorities. According to FCRA Section 605B ( a ), the Credit Reporting Agencies must block any information in the file of a consumer that the consumer identifies as information resulting from the fraud, not later than 4 business days after the date of receipt.

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 2022-10-16
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I reached out to XXXX, Experian XXXX XXXX asking for them to provide me proof of the validity of the XXXX XXXX XXXX accounts on my credit file. 

I requested the copies of the application that was filled out to open these fraudulent accounts. 
to this date XX/XX/XXXX I have not received the requested documents On XX/XX/XXXX I spoke to your representative XXXX at XXXX and was informed that Experian XXXX not have my documents that I sent and most likely have been lost. Then, I asked to speak to a supervisor which I spoke to at XXXX pm named XXXX and she also confirmed that she can not locate the documents sent certified via XXXX with a return signature receipt proving it was delivered and signed for. 

This is very unacceptable that Experian lost my documents and my personal identifying information which can result in additional identity theft causing more hardship with my affairs. 

I have attached the proof that the mail was received and signed for by Experian 's staff. Also, I am attaching my follow up letter to the company sent 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 2022-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Capital One Auto Finance has reported inaccurate information to all three credit bureaus regarding a loan which was settled. 

I have made several attempts over the last few years, but I received no resolution. I would be on hold for unreasonable amounts of time or given the run around. 

According to the fair credit reporting act, if inaccurate information is discovered in my file, the consumer reporting agency must examine the disputed information, usually within 30 days. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it. 

They have left the note of being disputed on my credit report, but no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
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 need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1000.00}

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 2023-10-21
Company: Account Resolution Corporation
State: FL
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:
Account Resolution is furnishing on my credit report and I have no idea who this company is. I do not have a contract with them as I have asked them to provide me with a contract with my sign signature proving with this company that I have done business with them. They have failed to send me a copy of that, I believe this has to be some sort of form of identity theft because I am unaware of the amount, the account number, and this in the company, how did this company obtain my personal information? Also, this company isnt even licensed in the state of Florida to collect the debt. Why is this allowed on my credit report as I have disputed this numerous times?

According to 15 USC 1681eb maximum accuracy on the consumer report. also, there are multiple inaccuracies reporting on this account and account doesnt report collection every single month illegally updating the amount collections arent to report past due balances. This company is re-aging illegally the debt. Nothing about any of this is accurate it needs to be delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
New Info I pulled my Credit Report and noticed inaccurate information reporting by credit agency 's. They are in violation of in reporting inaccurate personal info, inquiries, charge offs, and collections.

15 USC 1681 ( a ) ( 4 ) 15 USC 1681i 15 USC 1681s-2 15 USC 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) 15 USC 1681i ( 7 ) 15 U.S.C. 1692g I am requesting as the CONSUMER a description of the procedure used to determine the accuracy and completeness as stated in 15 USC ( 6 ) ( B ) ( iii ). 

FTC # 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 2022-09-26
Company: Experian Information Solutions 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:
In XX/XX/XXXX, I applied for hardship/forbearance. I got XXXX and was sick for two weeks. I was able to get the paperwork to XXXX XXXX XXXX. I do not know why they had not processed it until XX/XX/XXXX. Included ( Exhibit JJ ). Credit Report Included ( Exhibit 111 ). On Monday, XX/XX/XXXX, at XXXX XXXX. I received an e-mail from XXXX, XXXX ( Exhibit LL ) requesting information from XX/XX/XXXX. I provided all the hardship documents to them three times back in XXXX and the letter indicates I provided the documents ( Exhibit JJ ). All the mistakes XXXX XXXX XXXX  has made have caused me to be in foreclosure. I have done nothing wrong. Please see documents?

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 2023-06-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have sent Equifax a letter requesting to remove the credit freeze placed on my credit report. I have also called in to Equifax requesting the online account credit freeze option be resolved as it currently states that it is unable to retrieve the status of my credit report freeze status. I was given a case number # XXXX for the online account issue. It has been over 90 days and Equifax has not removed the credit freeze on my credit report nor have they resolved my online account issue.

Company response to consumer: Closed with explanation