BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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:
Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Collection {$320.00} XXXX XXXX XXXXXXXX Collection {$0.00} XXXX XXXXXXXX Collection {$3600.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$3600.00} XXXX XXXX XXXXXXXX Charge-off {$11000.00} XXXX XXXXXXXX Charge-off {$5500.00} Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on 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 2023-09-18
Company: EQUIFAX, INC.
State: CA
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:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX  XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: LA
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I applied for a home loan and the lender ( XXXX XXXX ) received my credit report from XXXX. All 3 credit bureaus are still reporting activity as of this month on a closed account with the Police and XXXX XXXX XXXX XXXX. The account number ending in XXXX. This was a charged off account that was settled in XX/XX/2022 ; although the creditor did not report receipt of funds until XX/XX/2022. There has been no activity on this account since XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. The bank already agreed to update the status of this account to Open/Never Late : XXXX XXXX XXXX Please repair and update.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02
Company: National Credit Systems,Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This company is reporting on my XXXX and XXXX. This is not my account and i would like for it to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
In XX/XX/2018 I contacted Discover Card to ask for assistance in lowering my payments. 
At that point I owed {$5800.00}. and was being charged 18.99 % interest. 
They told me they could offer me at lower rate of 16.99 % for one year, there was no mention verbally or in writing that at the end of that period I could not apply for additional help.Under the program I am paying {$110.00} a month of which {$30.00} goes to the principal and the rest is interest. 
I started writing, calling and emailing Discover in XX/XX/2018 advising them that effective at the end of this temporary program I would no longer be able to make full payments. I stated that due to age ( XXXX ), health ( XXXX and XXXX XXXX XXXX ) and my income based on Social Security I will never pay this loan off as currently outlined. 
Here is a list of Discover personnel I have corresponded with : XXXX XXXX, Manager, Executive Office of Customer Advocacy XXXX XXXX, Same office as above XXXX XXXX, Same as aboe XXXX XXXX, Executive Office of Discover XXXX XXXX, CEO/President of Discover all are located at XXXX XXXX XXXX XXXX, XXXX, De XXXX All of the above advised that I was notified on XX/XX/2018 that I would not be eligible for a new program for at least one year. I had advised them that I was never advised of this provision. XX/XX/2018 was seven months after I entered the program. 
Discover is not willing to reduce the interest rate or set reasonable payments on my account. I have attempted in good faith to deal with this problem to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 act these accounts has violated my rights : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need all hard/ soft Inquiries on my Consumer report removed. I never gave these companies permission to inquire my consumer report.

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 state that a consumer reporting agency can't furnish a accounts without my written consent.

15 U.S Code 1681 A Exclusions- ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report.

Reinvestigate the completeness of every piece of information.

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 2023-09-18
Company: EQUIFAX, 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 following accounts continue to report on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX  XXXX Balance Owed : {$540.00} XXXX  XXXX XXXX Balance Owed : {$330.00} XXXX XXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$480.00} XXXX  XXXX Balance Owed : {$410.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-30
Company: Diversified Consultants, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A collection agency called Diversified Consultants out of Florida keeps placing a collection on my credit file for an XXXX XXXX account. It doesn't show a balance or a date. They have done this twice in the past and I have gotten them to remove it because I've never had an att uverse account. I had XXXX internet years ago that I dont owe anything on. I paid the account and returned the equipment ( which XXXX lost and tried to bill me for and I had to provide a tracking number ) I dont owe any XXXX XXXX  account. I'm trying to by a house and about to close and now they stuck this fraudulent collection on me and it will cause me not to be able to close and cost me thousands in appraisal and inspection fees. 

Please.for the love of God do something about these rouge companies doing whatever they want to collect money and get commissions. They monitor credit inquiries and slap collections on right after as a ploy to force people to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After repeated times calling into XXXX to Permanently Remove my Credit Freeze I need the CFPB 's support and resources in removing the " freeze '' on my report. After the third call with " XXXX '' in the XXXX they still will not remove the credit freeze ; my daughter needs braces and we need credit.

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 2022-12-17
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Thursday, XX/XX/XXXX at XXXX PM Receive two text messages from XXXX XXXX XXXX about charges on my credit card. 

Your XXXX XXXX XXXX XXXX acct ending in XXXX was used at XXXX, XXXX for {$0.00} without the card present. Reply STOP to opt out. 

Your XXXX XXXX XXXX XXXX acct ending in XXXX was used at XXXX. XXXX for {$20.00} without the card present. Reply STOP to opt out. 

Thursday, XX/XX/XXXX at XXXX PM Call customer service phone number ( XXXX ) on back of card to let them know those were not my charges. XXXX XXXX ID # XXXX said he did not see any such charges and the text was probably spam. 

Friday, XX/XX/XXXX morning Log onto my XXXX credit card account to see how much of a credit ( - {$17.00} ) I have and then see that they allowed the {$20.00} transaction to go through. My {$17.00} credit is no longer available to use during the holidays. 

Friday, XX/XX/XXXX at XXXX AM Call customer service phone number ( XXXX ) spoke with XXXX ID # XXXX asked her why the charge went through. She didnt know but they would do an investigation and I would get my credit in 2-3 billing cycles. 

I asked to speak with a supervisor, XXXX ID # XXXX, she told me the same thing, they would do an investigation and I would get my credit in 2-3 billing cycles.

Why do I have to wait to use my credit of {$17.00} because they allowed a fraudulent, unauthorized charge to go through? And then wait 2-3 billing cycles to get my credit back! I asked them to cancel my credit card account because they dont follow security protocol and Im paying for their mistake.

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 monetary relief
Consumer complaint received 2019-03-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My credit score has been showing N/A with Equifax. I first noticed the issue in XXXX of 2018 while purchasing a vehicle. I contacting them and was told I had to prove my identity due to my credit had been compromised in their system. I sent in all documents needed. I contacted them a week later and was told to do the same thing again. I did it again via email and fax this time. Still it continues to show no score. I finally was able to get the loan based on XXXX and XXXX scores. Them in XXXX of 2018 I had the same issues again attempting to get a lease. I contacted Equifax 4 different times and sent them items 4 different times. I finally just purchased a vehicle instead of leasing one for my wife. Now my wife and I are trying to purchase a home and Equifax is still showing no score. I dont know what else to do. My transunion score and experian scores are showing. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: FC HoldCo LLC
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation 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 2021-07-11
Company: CrossCountry Mortgage LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
At the beginning of the Pandemic, CrossCountry Mortgage offered us the option to " pause or skip '' 3 payments under their Covid Forbearance & Cares Act program as most lenders were offering similar pandemic assistance. We were assured by the representative that this would NOT affect our credit. Months later, we decided to sell our home. Once we paid off the loan in full, CrossCountry Mortgage decided to report over 6 months worth of late payments! Our credit scores dropped over 150 points due to this error! We are now forced to rent until our scores improve to purchase another home. My wife & I need our payment history to be updated and reported as on-time/perfect to all 3 credit bureaus ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
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: Old information reappears or never goes away

Complaint:
I used to have a bank account with XXXX XXXX XXXX. That account was closed YEARS ago, like in XX/XX/XXXX. Recently, XX/XX/XXXX they decided to put some unknown balance on my credit and said the account was just closed, which is a lie. After doing some research I see that the bank is now called XXXX XXXX XXXX XXXX, so they are trying to fraudulently collect on year old accounts that was closed a long time ago under another credit union. They do not have proof of a written signature between me and this company. I have contacted each credit agency and they have failed to provide written signature proof me owning this account, at XXXX XXXX XXXX XXXX, and have refused to remove this clearly this false item 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 2023-09-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$750.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 tired to resolve the issue by writing the company about a Unfamiliar inquiry from XXXX and XXXX XXXX XXXX XXXX, and also never XXXX XXXX XXXX that I had seen on my credit report when I request a free annual report an notice it but the company didnt respond to me like I requested them to delete it off my credit report and 30 days but didnt so I hire XXXX XXXX to help me out with the issue Im referring to my XXXX XXXX file # 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 2019-03-21
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I noticed an unauthorized amount of & XXXX from my checking account. I do all of my banking by electronic payments and immediately went into my XXXX Ohio branch. XXXX, one of the advisors there closed the compromised account and opened a new one. ( Closed account is routing number XXXX account number is XXXX ). New opened account number is ( routing number XXXX, account number is XXXX ). Thru bank error, and they even admitted this, my electronic payments were made from both accounts causing the closed account to be overdrawn. Subsequently, a direct deposit paycheck from XXXX XXXX XXXX in the amount of XXXX was attached by the bank to cover overdraft. All of my electronic payments/merchants were paid twice in XXXX. Included in one of those electronic payments was my truck insurance to XXXX and it was rejected because the bank sent it to the old, closed account. This in turn got my insurance cancelled on XX/XX/XXXX. On XX/XX/XXXX while at a doctors appointment, some unknown person damaged the passenger mirror to my XXXX XXXX XXXX XXXX XXXX XXXX truck and the estimate was {$1000.00}. I filed a claim with my insurance agent and the information was passed along. On XX/XX/XXXX I received an email from XXXX saying I had no coverage from XX/XX/XXXX to XX/XX/XXXX. I explained the bank error and it fell on deaf ears. None of this was my fault and I feel I am being treated unfairly for a bank error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-11
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I used to have a bank account with XXXX XXXX XXXX. That account was closed YEARS ago, like in XX/XX/XXXX. Recently, XX/XX/XXXX they decided to put some unknown balance on my credit and said the account  was just closed, which is a lie. After doing some research I see that the bank is now called XXXX XXXX XXXX XXXX, so they are trying to fraudulently collect on year old accounts that was closed a long time ago under another credit union. They do not have proof of a written signature between me and this company. I have contacted each credit agency and they have failed to provide written signature proof me owning this account, at XXXX XXXX XXXX XXXX, and have refused to remove this clearly this false item from my credit report.

Company response to consumer: Closed with explanation