BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2022 and XX/XX/2022, I alerted TransUnion to incorrect information being published to my credit report regarding XXXX accounts appearing with a balance when the balance should be XXXX. I asked for the information to be properly validated, pursuant to the XXXX, and that the information be correctly updated. TransUnion has failed to validate the information it has published to my report and the incorrect information is still appearing on my report. I have reason to believe that TransUnion is conspiring with alleged " creditors '' in an effort to extort me. Transunion actions are having an adverse effect on my life, my credit, and my ability to meet my basic needs. I have provided specifics to TransUnion on more than XXXX occasion - there is no reason why my claims could not have been thoroughly investigated and rectified pursuant to my requests/ demands regarding such. I am creating this complaint and including details here for the convenience of TransUnion. All details regarding the incorrect accounts in need of correction, fraud affidavit, and other identifying information are included with the attachment. 

Potential TransUnion file number : 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 2023-08-17
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:
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 non-monetary relief
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX {$24000.00}

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 2020-12-20
Company: Early Warning Services, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
Hello, I cant open a checking account anywhere, because early warnings has blocked all the banks to open a checking account for me. I dont know which information they have about me, but the info they are having is totally wrong. Because my phone was stolen and my all the financial apps were in that phone i dont what the stranger did with my phone, i think its a identity theft, and my XXXX XXXX XXXXXXXX account was closed, i had no mistake. Please ask this company to cross check. They want me to give proof but what should i give them? I just want to remove this block from my identity. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Consumer Adjustment Company Incorporated
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There was an account opened with XXXX Flags that I never had and filed a police report. I sent over the police report VIA email after I called ( XXXX ) XXXX. This was back in late XXXX and early XX/XX/2022. While the gentleman provided the email he had the audacity to STILL demand payment. It was ridiculous. It has now been XXXX weeks and it's STILL on my credit report. This company has a LONG history of arbitrarily placing debts not owed on the XXXX and another has just been added. It's a pattern that places the burden on the consumer while it takes absolutely nothing to add information on ones credit report. It is XXXX and it was placed on my credit report the last week in XXXX for an account they say was opened in XXXX of this year. Which is impossible considering I have not been to ANY XXXX flags in several years and that none of the information proved to me over the phone even matches me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-11-15
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company has very aggressive phones calls and after I submitted a letter to verify the debt they fail to do and this was clear on a previous complaints with the CFPB and now is a different company with the same tactics

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There have been several disputes and complaints submitted to get the information corrected. As of XXXX, there was a request to have these accounts removed from my credit due to their inaccuracies. 

The response was provided on XXXX, and the information remains on my credit with claims in the letter that are also inaccurate when compared to 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 2023-10-03
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On the XXXX of XX/XX/2023 I sent all three major credit bureaus letters asking them to verify my debt on my report. XXXX and Equifax answered immediately and prompt, XXXX on the other hand actually sent a letter on XXXX of XX/XX/2023 stating that they had no file on me that I would have to send all this information to them so they could identify me. I called the next day and confirmed my identity to them and in fact they did have a file on me and they would send out the verification and credit report immediately. So now XXXX Equifax and XXXX have sent back copies of my credit report and have also stated in writing that everything is verified correctly. 
As of right now my credit report id showing inaccuracies. 15 USC 1681 S-2 ( A ) ( 1 ) states that a person shall not furnish and information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Goodevening, According to the FCRA, i have a right to dispute inaccurate information and errors on my credit report. I have two COLLECTION ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINE AND EXPERIAN HAS YET TO REMOVE THE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF OFF OF MY CREDIT REPORT. Legally, unauthorized items, inaccurate information and errors must be removed immediately. I have contacted EXPERIAN numerous times to remove the information that i have no knowledge of. I am reporting to CFPB because i demand to get these false collection accounts off of my report immediately. I am not liable for this debt with the original creditors. I do not have a contract with collection agencies that are trying to collect for my credit report. They do not provide me with the original contract as requested. 

Accounts : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX 
XXXX {$700.00}

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 explanation
Consumer complaint received 2020-09-29
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX continues to contact me and interfere in business dealings and my health over a two year old debt for services that were authorized with my previous insurance company in XXXX. The company continues to charge COVID tests that are free due to be uninsured. When I am attempting to have tests run for employment or as an uninsured person they continue to press the issue of {$130.00} that is the result of the organization not being authorized to run test under the said insurance company on question along with not report back to my pcp to clear up any outstanding bills. XXXX XXXX has forwarded these outstanding bills to a collections agency now after tests were run for COVID.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I won two e-rewards ( XXXX ) cards on XX/XX/XXXX. Each card was {$50.00}. On XXXX XXXX I spent {$48.00} on one card. Today ( XXXX XXXX ) I learned that my card, the one I did not use had fees ( {$12.00} ) because of lack of use. 

I learned the other card - The one I used in XX/XX/XXXX had a XXXX balance. 

After a long call with the customer service agent. I was told the fees can not be reversed. No where on the paperwork I have indicates a charge will occur due to lack of use. In fact the card has an expiration date of XX/XX/XXXX. I reviewed the website and under FAQ section it states " there are no fees ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: FL
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX  Balance Owed : {$420.00} ; 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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 non-monetary relief
Consumer complaint received 2023-07-10
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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 16 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an 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 2023-07-07
Company: Experian Information Solutions 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: Report provided to employer without your written authorization

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 explanation
Consumer complaint received 2020-09-29
Company: CITIBANK, N.A.
State: PA
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 was unable to get my debt resolved and I have told them and the original creditor my identity was stolen and they do not care and fail to acknowledge it as a debt that is not mine. The amount with interest is over XXXX $ but I would only owe XXXX $ if that due to charges that were mine. They would not show me signatures of things that are not mine and proof that the transactions were mine. When they should easily have been able to do this. I mean it is not hard to send it all by mail upon request. They even demanded I took a loan out for XXXX $ dollars and said they would sue me if I did not. When they have received multiple communications about this in the past from me and so did the original creditor. Which was Citibank

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 2023-08-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My credit report listed a address on my report that I do not recognize and never lived there this has been a ongoing issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-15
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CAVALRY PORTFOLIO SVCS are reporting on my credit report claiming that i owe them {$620.00} which i do not recall making business with them.i demand that they remove that derogatory account my my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: MD
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 discovered that the accounts on my credit report was still incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected immediately : XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$12000.00}

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 explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am not liable for this debt XXXX. I do not have a contract with that company. I have contacted XXXX regarding this collection fraudulently filed on my credit report, but they still refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
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:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

Company response to consumer: Closed with explanation