BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

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 2023-01-30
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I have an American Express gift card that has never been used. The funds do not expire but the date on the card expired. Online American Express says to contact them and they will issue a replacement card. I called the number on the card and reached an automated line that kept saying it was having trouble understanding the card number I was keying in. Then it hung up on me. I called this number three times on XX/XX/XXXX and it hung up each time. Then I called several other American Express customer service numbers. I was put on hold and the people hung up on me twice. A third person told me they couldnt help me and that they would transfer me to someone who could. They transferred me to a disconnected number. Several numbers were disconnected. I tried contacting Amex through their customer service online portal and got a error message that my message could not be delivered. I tried contacting Amex through their customer service email and the email came back as non-deliverable. After reviewing voluminous similar complaints online it appears Amex has rigged their system so that gift card customers can not reach anyone and the company gets to keep the gift card money. I want my money back from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: EQUIFAX, INC.
State: MI
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made timely payments without any instances of being 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 2022-05-24
Company: ENCORE CAPITAL GROUP INC.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Account name : XXXX  Account number : XXXX Account type : Credit card Responsibility : Individual Date opened : XX/XX/XXXX Status : Closed. {$280.00} written off. 
Status updated : XX/XX/XXXX Balance : {$0.00} Balance updated : XX/XX/XXXX Recent payment : XXXX XXXX Monthly payment : {$0.00} Credit limit : {$750.00} Highest balance : {$340.00} I need used the XXXXXXXX XXXX Credit Card. They renewed my membership with the card without my permission. Once I called the Credit Card Company, They reverse the charge but not the late fees. I never used the cards so have can they charge me ANYTHING. They reverse the charge but never reversed the late fees which i totally disagree with, So they sold the charge to a debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
somebody got ahold of my phone and went on XXXX  and sent them money to themselves and messed my account up and i told my bank and they dont believe me and making me pay XXXX to this third party agency they keep calling me in the morning while im at work and this account was deleted and added back on to my credit report and it hurting my report from taking it off and putting it back on i dont want this on my credit report if you cant proof to me this debt

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 2023-09-05
Company: Experian Information Solutions Inc.
State: NJ
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 am writing this letter to file a formal complaint regarding an ongoing dispute with XXXX XXXX XXXX XXXX, an account that I had disputed with Experian. I am deeply concerned about the inaccurate information presented in the original documents provided by XXXX XXXX XXXX XXXX during the verification process. 

On XX/XX/2022, I initiated a dispute with Experian regarding an account held by XXXX XXXX XXXX XXXX. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I requested that XXXX XXXX XXXX XXXX verify the information they were reporting. Subsequently, XXXX XXXX XXXX XXXX responded by sending over what they claimed to be the original documents related to the account in question. 

Upon reviewing the documents provided by XXXX XXXX XXXX XXXX, I was shocked to find that the information contained within them was grossly inaccurate. According to the documents, my address was listed as " XXXX, NV XXXX. '' However, it is important to note that there is no such place as " XXXX, NV '' either in the state of Nevada or anywhere else in the United States. This glaring error raises serious concerns about the accuracy and validity of the information being reported by XXXX XXXX XXXX XXXX. 

Attached to this letter, you will find copies of the documents sent by XXXX XXXX XXXX XXXX  as well as a map showing that no such location as " XXXX, NV '' exists within the state of Nevada. This clear discrepancy not only questions the authenticity of the documents provided but also the integrity of the information being reported by XXXX XXXX XXXX XXXX. 

I strongly urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to rectify this situation. It is crucial that inaccuracies and errors in credit reporting are addressed promptly to ensure the fair and accurate representation of individuals ' credit histories.

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 2023-04-12
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: Information belongs to someone else

Complaint:
Dear Sir/Madam, I am writing to dispute the accuracy of an account listed on my credit report, specifically with regard to an account with XXXX XXXX XXXX account number XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C 1692 g, I am requesting that you either validate the account or remove it from my credit report. I do not recognize this account, and I have not received any communication from XXXX XXXX regarding this account. According to 15 U.S.C 1692 g, if a consumer disputes the validity of a debt, the debt collector must cease all collection activities until it provides the consumer with written validation of the debt. In this case, I dispute the validity of the account and request that you provide me with written validation of the debt, including the original creditor, account number, dates of activity, and any other relevant information. Additionally, I do not recognize how this account is reporting on my credit report, including the account number, balance, or status. None of the information reported here meets the requirements set forth by the FCRA or FDCPA. If you can not provide me with written validation of the debt, I request that you remove this account from my credit report immediately. I am exercising my rights under the FDCPA and FCRA to ensure that my credit report is accurate and reflects only valid debts. Thank you for your prompt attention to this matter. Sincerely, 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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
It is not belong to me. It is fraud! This is causing me a lot of stress and 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 2021-10-18
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: Account information incorrect

Complaint:
XXXX XXXX is reporting wrong dates and amounts on my credit reports, I call them and they just act like they dont now what Im not talking about.

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 2020-02-09
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I owed a medical bill to XXXX XXXX and they sent to collection agency. The amount owed was XXXX and collection agency continually increasing the amount and reporting on credit report and I made a payment to them for the bill and was not shown on credit report and did not apply toward bill. I just paid directly to XXXX XXXX the remaining balance minus the money already paid to collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have contacted the bureaus and the company has as well. The company, XXXX has stated that per our agreement that the account were paid and have agreed to deleted those accounts from 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 2022-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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 to the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604 A section 2 also states : a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-03-22
Company: Experian Information Solutions 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2022-05-23
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid the loan out and they suspense the balance. I have proof of what they say it was and proof of my payment. They still want more money. I paid XXXX on XX/XX/2022 It paid overnight, I call them they said they got it the next day. So then they said I owe them for insurance I had the insurance company to send them them their money back. Now they say I owe XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
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:
My student loans Ive been fighting since their first lawsuit, was finally excepted with their second lawsuit and I was approved XX/XX/2022, the discharge of XXXX percent shows to be removed within 180 days weve past that by 100 days, its affected my score every month within the 100 days on top of over the years by about XXXX points, thats not fair, their twos are harassing me and marking me feel like law is hopeless and that I need to be scared or depend on something other then my rights and law plus their letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2023-09-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 explanation
Consumer complaint received 2023-06-02
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:
XXXX XXXX XXXX Account # XXXX Under 15 USC Code 1681a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer 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 2022-11-14
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 information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is 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 remove these files. XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  Bankruptcy Date XXXX : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; INFORMATIVE XX/XX/XXXX XXXX XXXX the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-12-03
Company: Experian Information Solutions Inc.
State: IL
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 several accounts has violated my rights by reporting late payments. 


15USC 1681 section 602 states I have the right to privacy.

15 USC 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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

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