BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have disputed the attached accounts stating that they are unknown and suspicious. I was never provided with proof that these accounts are mine. There was no investagation completed. The accounts are inaccurately reported and this was explained to each bureau. The accounts were never updated so there is no way there was an investigation that took place. How can a collection account have a balance owed or a past due balance? Since the attached accounts are inaccurate and were never investagated there is no possible way to confirm that these accounts and debt are actually mine because the information is inaccurate. There is way to much fraud and scamming taking place and I need to be able to accuratley confirm the information that is being reported on my credit report because I do not recognize the attached accounts. This is hurting my reputation and these inaccurate accounts need to be removed immediately.

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 2019-05-09
Company: EQUIFAX, 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: Account status incorrect

Complaint:
in late XXXX i took out a visa credit card from XXXX ( thru XXXX XXXX. ). sometime around XXXX and XXXX of XXXX the card was used by XXXX XXXX three times, two weeks apart. i have never been a member of XXXX ... we also moved our residence in late XXXX of XXXX to our new home. we did not receive mail from old address ... i did not see the problem until XXXX of this year when i checked my credit score..it went from XXXX to XXXX.. 
i checked and saw the 3 over due bills of XXXX dollars, three time from XXXX XXXX and called XXXX.. they agreed it was fraud and credit back the money to XXXX credit card ... 
however, XXXX has NOT removed the problem and equifax will not correct the problem. 
i spoke to XXXX on XX/XX/XXXX about this c # XXXX XXXX XXXX XXXX and he said all has been cleared, no delquincy .then spoke with XXXX at equifax on XXXX, c # XXXX XXXX XXXX and she said to talk with XXXX XXXX???? 
nothing has been corrected as yet. 
XXXX and equifax need to be held responsible. 
thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion, XXXX XXXX XXXX are are responsible for the following violations for reporting late payments to the accounts below. 


XXXX XXXX Currently on-time 2 Missed XXXX XXXX XXXX Currently on-time 1 Missed XXXX XXXXXXXX Currently on-time 1 Missed 1681b - Permissible purpose of consumer reports : ( a ) IN GENERAL Subject to subsection { c } any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my report? Furthermore, The FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( I ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), The term Consumer report does not include - ( a ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report.

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 2021-06-27
Company: Olympic Collection Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2021 at approximately XXXX, I received a phone call from my mother about a stranger who came to her home with paperwork. Upon answering the knock on the door, the stranger asked, Is XXXX XXXX here? To which my mother responded, Who is asking? The stranger states aloud, I have legal paperwork for her from Olympic Collections - a debt collector that I need you to sign. My mother then responded, I dont know anything about this so I will not sign and I am not taking this. At this point, my father heard the commotion and interceded, stating You need to leave our home. We are going to take your license plate. ( My mother states the plate # started with the letters XXXX on a white XXXX vehicle. My parents are in their XXXX and could not remember the rest of the plate number ). The stranger then proceeds to use profane language as she walks away and speeds off from the driveway, behind my parents van, where the stranger parked her XXXX. My mother felt so humiliated as neighbors from across her home watched this strangers abuse of inappropriate power. I am writing this complaint as I feel that my rights as a consumer have been violated while my elderly parents were harassed. I am mortified that this company would use a stranger to get abusive to elderly patrons as well as share private information regarding any debt to outsiders without my consent nor any previous communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions 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:
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.

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 written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-12-28
Company: CCS Financial Services, Inc.
State: GA
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 noticed my credit has been going down and I called XXXX and other credit reports companies to see what is going on and noticed its because of all this items on my credit report XXXX XXXX is Ccs collection from originator the general company with a reporting date of XX/XX/2022

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XX/XX/2022 I was notified that a deposit initiated on XX/XX/2022 had not been received by Binance US in the amount of {$500.00}. I was delayed in responding in a timely manner. Because of the delay in my making good the deposit my account was locked. Usually Binance US will sell crypto currencies to pay themselves the balance due and make good the account. Notice was sent to me that this was done on or about XX/XX/XXXX. Usually they wait a couple of days and then open the account for access to the customer. This was not done and the account is still closed to me. I have about {$40000.00} in the account and need to access it to manage it properly. I am sure they are not trying anything shady, I just think it is lazyness that they don't act when they should. I have sent 2 tickets to them about this matter with no reply. Ticket # XXXX was sent XX/XX/XXXX ( a little premature ) and ticket # XXXX was sent XX/XX/XXXX. I have had no response from them. Can you please help me gain access to my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, 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 written instructions

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 2023-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am writing to express my concern regarding the unresolved status of my account despite multiple attempts to rectify the situation. To date, I have submitted three separate requests via your website, email, and telephone services to address an issue pertaining to my account balance, which has been paid in full. Regrettably, I have not received a response, nor has the matter been resolved.

Furthermore, I have initiated disputes with all three major credit bureaus as my account continues to inaccurately reflect an outstanding balance. Despite these efforts, the credit reports remain unchanged, indicating that I owe a balance that is incorrect.

I earnestly request your immediate attention to this matter. Prompt and decisive action to update my account status with the credit bureaus is imperative to rectify this error.

Thank you for your attention to this matter. I am looking forward to your prompt response.

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 2023-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Since 2019, when I first noticed my student loans inaccurately reported in default, I have written letters with numerous attempts to fix the wrong information on my credit report. They claim to have investigated this account. Now, since the loan servicer XXXX is not in business, how did they investigate with them,? I can't even get in touch with them. This means to me, their investigation is fraudulent.

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 2022-12-28
Company: Foris DAX, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I hope this letter has correctly found itself within your complaints/fraud department as it is very essential to me that you become aware of the ordeal I have had to go through. 
Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX USD which were transferred from my wallet utilizing their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: NC
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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
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: Account information incorrect

Complaint:
XXXX XXXX is reporting a late payment on my credit report on XXXX of 2018. I have tried calling them to correct the error they caused on their end and they guided me to submit a dispute with the credit bureaus to correct THEIR mistake. So I did, several times. I have submitted disputes with the Credit Bureaus in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to try and get this late payment removed because I was not Late. The Credit bureaus stated that they reached out to XXXX XXXX, Account number XXXX who said the information is accurate which contradicts what a representative told me over the phone. 
My husband and I were hit with this late payment out of nowhere and are not sure where to be able to turn now because of it,. We read online that this is our best shot to get the inaccurate late payment removed since they are not abiding by 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 2022-02-11
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
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 disputed this debt with XXXX multiple times and asked them to properly investigate this debt from portfolio recovery for {$3400.00} that is on my credit report. I sent a written letter to portfolio recovery requesting proof of this debt that it was opened by me as it was not. Portfolio recovery failed to do so, and XXXX has failed to investigate this debt properly under FCRA section 611. It is illegal for XXXX to continue reporting a false debt on my report. Portfolio recovery has never shown the copy of the government ID that was used to open this debt. If portfolio recovery has no proof of who opened this debt, how is XXXX saying it is valid? They are just asking portfolio if it is valid and accepting a yes as validation. I will be forced to take legal action with XXXX if they do not properly investigate and remove this from my credit report as this is not debt and was never opened by me. This has caused problems in my life for me and my family and XXXX should not be allowed to report credit when they do not follow the law and investigate debts on peoples account properly. XXXX is only helping these corporations with putting false debt on peoples account and ruining there lives. Please ask XXXX to show the proof that they got for this debt as they have never provided it to me as there is no proof because i did not open this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: FirstPoint Collection Resources
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:
5 COLLECTIONS WERE REPORTED FROM FIRSTPOINT COLLECTION RESOURCES ON MY CREDIT REPORT IN XXXX OF XXXX WITH DIFFERENT DATES AS FOLLOWS : XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX AND XX/XX/XXXX. NO COLLECTION LETTERS WERE SENT TO ME AND A DEROGATORY MARK IS ON MY CREDIT REPORT PER XXXX XXXX. UPON FURTHER RESEARCH, THIS ACCOUNT WAS TRANSFERRED/SOLD AND I AM NO LONGER RESPONSIBLE FOR THE ACCOUNT. DEBTORS CREDITOR DID NOT VERIFY THIS COLLECTION. ALSO THERE WAS NO WRITTEN FORM OF COMMUNICATION, CONTRACT OR SIGNATURE FOR THIS ACCUSED DEBT AT ALL. A BILL WITHOUT A SIGNATURE DOES NOT VALIDATE THE DEBT AND ANYBODY CAN SEND A BILL AND SAY ITS MINE. ACCORDING TO THE FCRA ( FIRSTPOINT COLLECTION RESOURCES ) HAS VIOLATED MY RIGHTS AS A CONSUMER AND IM REQUESTING LEGAL ACTION TO REMOVE THIS ACCOUNT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
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: Reporting company used your report improperly

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2022-02-11
Company: EQUIFAX, INC.
State: ND
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:
Request to have negative reporting information removed from credit report using the dispute option online, in addition to phone conversation with representative and results are being reported the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Fairway Independent Mortgage Corporation
State: IN
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:
A mortgage company named XXXX reported a 30 day late payment on XX/XX/2019. I do not know who XXXX is and I have never had a mortgage with them. In this same time frame my mortgage was with Fairway Independent Mortgage Corp. The house I had with Fairway was sold and I closed on XX/XX/XXXX, XXXX about XX/XX/2019 they sent me a late notice on my mortgage that I closed on XX/XX/2019. I contacted their credit department and told them that I closed on that house on XX/XX/2019. They said that they had not received the check yet. The closing company said that it was sent the next day after closing. After several phone calls it turned out that Fairway lost the check. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, WI XXXX, ph:XXXX put a stop on the old check and wrote a new one. XXXX XXXX. told me that I wouldn't get a negative remark on my credit report because this was not my fault. I just discovered that it was reported to the big three and XXXX XXXX. This entry caused me to be denied a VA mortgage by XXXX XXXX. I don't know if XXXX has anything to do with Fairway or if the dates are just a coincidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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: Account information incorrect

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX XXXX  I wrote to equifax requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you make sure they are reporting 100 % accurate information from my credit report and request that you reply within a reasonable amount of time.

Company response to consumer: Closed with explanation