BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 disputed a collection that was on my credit report with Trans Union because the collection should never been on my credit report because the collection was brought into court and case was dismissed by our local court and two it was during the Pandemic. Trans Union was notified of the collection. After their so called investigation, they came back and said, that it was valid debt. They were given the case number and the court information and they still came back saying that its a valid debt. The amount is for {$12000.00} with XXXX XXXX XXXX. How can something be a valid debt that court dismissed or terminated the plaintiff case. Someone did not their job in their investigation.

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 2018-03-07
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
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 letter is to inform you that Merchants and Medical has failed to properly respond to my request for proper and full debt validation, not verification as sent certfied mail. As a consumer, i have rights under the FCRA. Not only was the alleged debt not validated and no burden of proof was provided proving that the alleged charges belong to me, the request was also not meant in full. Only certain accounts listed on the request were answered as others were ignored. I also have recieved with the notice returned, nothing to indicate any further notice to be received in regards to addressing the other accounts listed. I understand that the account exist, however i am disputing that i am responsible for it as signatures or original documentation have not been provided nor have any other forms of proof. It is my request that all of the accounts upon which i requested validation, be removed from all 3 credit reporting bureaus as they are falsely reporting and having adverse affects on my credit. If action to do so has not been taken within 30 days. I will seek legal counsel to file suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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:
I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 



XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX  {$510.00} XXXX  XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX  Reported : XXXX. XXXX, XXXX {$1700.00}

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 2023-07-10
Company: Experian Information Solutions 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 status incorrect

Complaint:
The timeshare company called me to ask if I would like to put my timeshare into deferment. I agreed, and I thought that is what I signed up for, but a few months later, They reported the 2 payments as a default instead of deferment. I am unsure if it was a mistake, but I would like this fixed. I have been denied credit and I am very upset! I fight hard to eep my credit in good standing, so for this to happen, it is truly disappointing.

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 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 contacted Transunion because I have recently discovered fraudulent inquires on my Transunion credit profile. I told them I have officially filed a police report and I would like them removed from my account. The agent told me they can not do that because they have to have proof of my police report and I have to send a copy of my SSN. I refuse to send a copy of my SSN over mail. I dont know why anybody would recommend that. They also said I have no choice but to contact the bank and get a deletion letter explaining to Transunion that it was fraudulent activity. When I contact the institutions, they say they can not provide it and to contact the bureau. Its just an infinite loop leading to nowhere. It is against the law for a credit report agency to force me to be responsible for correcting inaccurate fraudulent activity on my report. I would like my fraudulent inquires to be removed or else I will be contacting an attorney, because these inquires are affecting my ability to get a mortgage loan and other loan products.

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 2023-04-22
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:
I have contacted these credit bureaus as it relates to my credit profile. XXXX, Experian, and XXXX all have inconsistent information on my profiles from Names, Addresses, Employment, Phone numbers and even collections on my report. I have sent in my correct name, address as should appear on my report and asked that all others unknown be removed, this has yet to be done. I also disputed some unknown collections asking for an investigation, which was done in a matter of days and there was no resolution. I did not give them permission to report anything on my credit and have written and called several times asking them to remove this invalidated collections, which to date they have not.

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 2018-03-07
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Credit Bureaus are still reporting inaccurate information. Company advised that they will be deleting from my report, but they are still reporting with negative 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 2021-03-01
Company: EQUIFAX, INC.
State: PA
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:
I'M HAVING ISSUES GETTING MY PERSONAL INFORMATION UPDATED WITH THE CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: TX
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:
In review of my credit report I have unauthorized and unrecognizable inquiries. I have contacted Experian credit reporting agency several times to have these unauthorized and unrecognizable inquiries remove, but Experian credit reporting agency refuses to remove and update my credit report accurately. I did not authorize anyone employed by these companies below to make any inquiries and view my credit report. I have listed the unauthorized and unrecognizable inquiries below on my Experian credit report agency report : Inquiry Date Company 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 2023-09-19
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Midland Credit Management has reported a debt against my Social Security Number that has heavily affected my credit score.MCM has reported the debt as being opened in XXXXXXXX XXXX XXXX. I know that time of debt has adverse affects on scores and they have intentionally listed the debt at a different date. The information on my credit report is inaccurate. I also have another company trying to collect the same debt Who is MCM giving my personal information to? Please delete my information as it is wrongfully being reported and please stop sharing my information with XXXX. In the response to this complaint.I would like to know how and why XXXX is contacting me and has my private consumer information? 
In the photos attached, you can see that you can pay XXXX or MCM.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-19
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV FUNDING LLC XXXX XXXX LVNV FUNDING LLC XXXX XXXX LVNV FUNDING LLC XXXX XXXX Remove credit report ... My rights under 15 USC 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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: Personal information incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Credit Bureau RE : Update Personal Information To Whom This May Concern : I am writing to ensure the credit bureau is reporting accurate information at all times. I have highlighted the areas below that are inaccurate and shall be removed from my credit report immediately. 

Please delete the following inaccurate names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following inaccurate telephone numbers : ( XXXX ) XXXX Please delete the following inaccurate employers : XXXX XXXX XXXX XXXX XXXX I am filing this consumer complaint and consumer check for compliance of the particular items that you are reporting under FACTA Title 1 section 151. I have enclosed copies of my state ID and social security number to validate my identity. 

Regards, 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 2023-09-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/23, I tried to cancel my purchase from XXXX. I paid extra for a refundable ticket and the XXXX CSR refused to cancel my flight. I then put in a complaint to the XXXX. When XXXX would not respond to my complaint, I asked USAA to reverse the charges -- USAA did however I received no call, text, email or notices on my account letting me know the funds were contingent. 

On XX/XX/XXXX, XXXX mentioned that they would submit a refund. Because USAA had already reversed the funds I let XXXX know that it had been taken care of. 

XX/XX/XXXX, in checking my balance USAA charged my account for the amount of the ticket without notifying me. I did not know they charged my account until I checked my balance. 

XX/XX/XXXX, USAA sent a letter regarding debt collection without saying what debt they were collecting. 

Although I have sent the XXXX  correspondence to USAA showing XXXX agreeing to a refund and my flight being canceled, USAA has not reversed the charges. 

I paid USAA for the ticket 5 days after I made the purchase and charged it to my card. 

USAA has done this before -- They have not paid my mortgage and said they did not receive a request when I had the same mortgage company for years and even after I asked them to pay the bill they would not. I had to get the mortgage company on the phone. 

This is a habit with USAA employees taking matters in the own hands. They show no loyalty to their consumers and their CSRs are rude and argumentative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The lender is incorrectly reporting that the account is Chapter XXXX dismissed and incorrectly reporting that the account is closed. We having been paying on this account for the past 4 years. The account was previously under a Chapter XXXX bankruptcy, however since mid 2017, we have been paying the account outright.

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 2023-08-16
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-02-27
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A Chase Freedom credit card was opened in my name but misspelled slightly, they had my home address, card account was opened XX/XX/XXXX and I received a bill for the first time yesterday XX/XX/XXXX at my home. XXXX is {$770.00} I have called the bank and the account was closed and fraud has been reported to XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22
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:
I have informed the credit bureau of fraudulent activity on multiple accounts that I have no knowledge of I have made many attempts to inform them and have this issue resolved immediately along with having the items removed and sent a copy of updated changes

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 2020-04-01
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including several bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$4300.00} XXXX  XXXX   XXXX {$2600.00} XXXX  XXXX  XXXX {$780.00} XXXX  XXXX  XXXX {$120000.00} XXXX  XXXX   XXXX {$120000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

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