BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have requested multiple time to remove two hard inquiries from my Transunion report that were not authorized or was a misrepresentation of the company. The other two credit bureaus have corrected the information, Transunion seems to always refuse to do so. 

XXXX XXXX XXXX has sent them letters to request removal and I've sent the same letter of the request to them beginning in XX/XX/2022 and it still remains on my credit report as a hard inquiry. 

I've disputed XXXX XXXX XXXX XXXX XXXX XXXX which does not have any information or documentation of my agreement to access my credit report and Transunion is aware but refuses to remove the hard inquiry off of my credit 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 2023-05-11
Company: ENCORE CAPITAL GROUP 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:
After further investigation XXXX XXXX XXXX has my XXXX balance on their computer screen which they will not send to me. My account was close XX/XX/1921 and sold XX/XX/1921 to Midland credit management. I asked for proof of the balance and I've disputed this six or seven times and the balance is still inaccurate and I do not want to update it on my credit report so I wanted to delete it if inaccurate. The IRS paid off my debt with XXXX XXXX XXXX therefore a 1099-C And no company can have a balance of my personal information my balance should be XXXX. By your standards CFPB Midland credit Management should be fined and XXXX should be fine for putting not 100 % accuracy on the credit report.. I would like to delete it off my three credit reports if inaccurate not update.and XXXX should be accountable for not having 100 % accurate information on report that there abiding by CFPB laws.they investigated and it's accurate. In other words that's a lie .Do not update my credit report. delete inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: AZ
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX. This account was never late XXXX XXXX Account XXXX : XXXX the following status incorrect and incomplete and its reporting inaccurate balances XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Mistaken Identity XXXX/XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX. This account is not in compliance per the FCRA due the reporting of unverified and Incomplete balances XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I was XXXX  and in the XXXX  with XXXX for XXXX months and almost XXXX. I recently paid a large payment to XXXX XXXX XXXX and XXXX XXXX XXXX card. I asked them to remove the late payments due to my situation they refused. 

so now i am reporting a violation of the FCRA 15 U.S.C. sec. 602 a I have the right to privacy 15 U.S.C. sec 604 a sec 2 states a consumer reporting agency can not report anything without my written instructions.

these two laws were violated.

15 U.S.C. it is against the law to report anything which is late

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: Experian Information Solutions 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-12-28
Company: FISERV INC.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Before XXXX XXXX put a hold on my account due to suspicious activity. They put another hold on my account due to money owed to them. 

My husband and I use a debit card tied to our checking account. So we've paid for all of our merchandise at the time of purchase. The only other money we owe them is on an XXXX issued credit card that's been on auto payments since the first month I received it. 

this has been going on for over XXXX weeks, and they still refuse to tell me how much I'm supposed to owe, or for what! They just keep taking reports, and not communicating the results.

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 2023-06-16
Company: HoldCo LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
" Bitcoin Depot '' ( BD ) has no direct relationship or affiliation with " Bitcoin '' - the decentralized virtual currency itself. " Bitcoin Depot '' ( BD ) is a third party company which has numerous ATM locations throughout the country. They simply use the name " Bitcoin '' within their own company name. 

BD pays rent to various shop owners in order to place their machines within that given facility. BT takes the customers cash and separately buys bitcoin and sells it to the customer ( highly overprice & without any disclosures ). The location of these BD ATM 's can be seen via there Bitcoin Depot App free for anyone to download. 

I recently used one of the physical ATM locations to convert cash into bitcoin. While using their machine, the machine notifies you that there is a {$3.00} flat fee ( see attached receipt # 1 ) for the use of their machines.

However, upon completion of the transaction, you realize that they took 28 % of your cash as a markup for the use of their services ( check " withdrawal '' on attached receipt # 1. This was calculated by converting XXXX XXXX to current actual XXXX market price on XX/XX/2023 XXXXXXXX XXXX = XXXX ). ( Check image # 1 for actual bitcoin market price on XX/XX/2023 XXXX AM ) Nowhere on any screen or terms of use is the " 28 % '' fee disclosed. 

In the upper right hand part of the screen, a spot price is displayed, which, at the time of purchase was significantly higher [ XXXX USD ] than what the actual market price was [ XXXX ] ( see attached image # 2 from National Market Price online ) ( see attached R

eceipt # 2 " Price '' from BD ). I called the company in regards to the transaction, and th
ey stated that while the 28 % fee is not disclosed, it is calculated in their spot price on the top right of the machine where it says " 1 XXXX XXXX USD ''. 

Again, no where is it disclosed that the market price listed on their machine is not the actual XXXX  market price.

Now that the funds have settled in my account, I am missing 28 % of my deposit funds. 

This is not an isolated incident as multiple reports of BD can be found online ( with simple google search ) defrauding hundreds of customers per day - and taking almost half of their funds without any disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX  Account # XXXX - XXXX, and # XXXX - US Bankruptcy Court 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 non-monetary relief
Consumer complaint received 2023-05-11
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:
All the major reporting agencies have the documents that showed XXXX  XXXX XXXX was removed from the report in XX/XX/XXXX because it was more than 7 year 's since last payment was XX/XX/XXXX, now that XXXX mortgage has the same account that was deleted, and reporting false information, the credit reporting agencies are refusing to delete the account that is 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 2023-02-07
Company: SUNRISE CREDIT SERVICES, INC
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received a collection notice, but I am a victim of mortgage fraud, and have been out of my home for over a yer. Please see DC XXXX XXXX XXXX XXXX XXXX CA XXXX B and XXXX CA 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 2022-04-20
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX reported only one late payment to the credit bureau, I was only 30 days past due and paid them in full before the next payment. I was fined for the late payment and I am up to date and current with XXXX. This impacted my credit score XXXX points, I feel that being a customer with XXXX for XXXX years and XXXX months this was extreme for only one late payment and now I am in good standing with them. I disputed this on the XXXX XXXX with XXXX and Equifax. My credit was rasied back to the original score and then XXXX fought the disbute and my credit was dropped back even lower. I called XXXX and asked them kindly to retract the negative impact because I am a long time customer of theirs and a XXXX point impact on my credit score is extreme and can stay on my credit history for up to seven years. Credit is everything in society from employment to financing. This has greatly impacted my career as far as even getting into medical sales school and approval for loan options to help better my life, my credit score was XXXX and I have worked hard to get it there. Now I can not get approved for anything due to one mistake and XXXX XXXX XXXX is not even trying to work with me. It makes me sick the amount of money I've paid them and the treatment I am getting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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.

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 2022-10-24
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-06-20
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never received a notice about this debt that they recieved XX/XX/2017. No letters and they wouldnt tell me the address they sent it to. They are claiming I owe XXXX $ to a physician, yet I did not live in the state of service during that time. I have tried to dispute with no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
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:
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.

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 2023-05-11
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:
You are in direct Violation of The Fair Credit Reporting Act. The store/ bank has violated several of my rights. The U.S.C. 1681 Section 602A clearly states that I have right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose.

Please remove these late payments and update my account immediately as you are in direct violation of the laws under The Fair Credit Reporting 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 explanation
Consumer complaint received 2023-05-24
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted TranUnion regarding this issue on more than one occasion. XXXX XXXX also stated that they submitted a letter via electronically.

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 2023-06-22
Company: EQUIFAX, INC.
State: VA
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 a loan with XXXX XXXX, and I have consistently made my payments on time. However, I recently discovered that there are late payments on my credit report. It is evident from my payment history that I have always maintained an excellent record with this company. Despite my efforts to contact the 3 Credit Bureaus, I have not been able to successfully resolve this issue. There is definitely an error on their part, and I am certain of it. Therefore, I am submitting this Follow-up CFPB Complaint to request a thorough investigation by the Credit Bureaus to rectify this discrepancy and ensure 100 % accuracy in the information they report. The accounts in question are as follows : XXXX XXXX XXXX with a balance of {$1700.00} and XXXX XXXX XXXX with a balance of {$580.00}. I firmly believe that the information being reported for these accounts is inaccurate. I have always made my payments on time and have maintained meticulous records of my own. Upon comparing the credit bureau 's records with my own, it is evident that there is a mismatch. Therefore, I kindly request that a comprehensive investigation be conducted for these accounts to ensure their legal and lawful accuracy.

Company response to consumer: Closed with explanation