BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-18
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:
After doing careful research reading the FCRA laws Transunion, XXXX, and XXXX are in violation. Every debt that is listed in bankruptcy that shows on the credit report should say : XXXX ( XXXX ) balance XXXX in bankruptcy. That is the only designation that can appear on what is called the trade line for that particular debt. Importantly, debts that are XXXX in bankruptcy can not show anything else such as any balance still owed, in collections, delinquent, Derogatory, charge-off, or any other negative information. Again, to reiterate, any debt that has been XXXX in bankruptcy can only show XXXX balance-XXXX  in bankruptcy. It appears that the " ACCOUNT STATUS '' on each of the trade lines shows : " DEROGATORY ', which violates the requirements of the FCRA. Also, the REMARKS section states " Dispute resolved ; reported by grantor '' which need to be removed for I did not authorize this comment on my credit report. I have prepared a letter to send to each of the corporate offices for the CEO 's of each credit reporting agencies in preparation to start a lawsuit. No one should have go through this continued craziness! Please do not send me a pre-made generated letter stating you verified! This is my final attempt!!!!!!

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 2022-02-17
Company: Experian Information Solutions Inc.
State: IN
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 have XXXX XXXX XXXX new unauthorized inquiries on my report asking for immediate removal

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 2019-08-01
Company: Mr. Cooper Group Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My daughter 's phone keeps getting calls and messages from this company called Mr Cooper Loans, number XXXX. we never had any business with them, never own any money to any company. I called them asking them to remove our phone number from their calling list, they admit we don't have any loan with them, but the customer service guy refused to remove our phone number and hanged up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: NV
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 ace act number XXXX XXXX Acct # XXXX Has violated my rights 15 usc 1666 b timing of payments a crefitor may not treat any payment on as late for any purpose please delete immediatly

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 2022-11-14
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Equifax furnish information without my consent and has violated my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In early XXXX I registered for a Chase Freedom XXXX XXXX card In XX/XX/XXXX, I try and use this card ( as I had a habit of doing ) and it didn't work. I initially believed this to be my card being at its limit, but after investigating it, I realize that the card had been deleted, with no notice to me. Eventually, I am able to get Chase to resolve the issue. 
Since that date, the card has not shown up on my XXXX and XXXX credit reports. 
On XX/XX/XXXX, I did the following : I called Chase about it, they told me it wasn't their fault and to call XXXX. 
I called XXXX, they told me it wasn't their fault, Chase must not be reporting it, call Chase. 
I called Chase, told them XXXX said to call them, and they escalate me to XXXX of their credit specialists. They tell me that the reason my card was deleted was because a credit agency told them it was fraud ( this is the first I was told the reason the card was deleted, despite me asking Chase back when I got them to re-open it, at that time they told me they couldn't say why. ) and that the card was marked as deleted at XXXX and XXXX, and that it was permanent unless I could get them to do a " Re-insertion '', they told me to call XXXX again. 
I called XXXX, telling them what Chase told me, and they told me it wasn't their fault, Chase must not be reporting it, call Chase. I stressed to them that it's not Chase 's fault, and asked to speak to a supervisor, but they refused and told me to call Chase. 
I called Chase, told them what XXXX said ( which is, not much ), and they said there's nothing they can do, it has to be solved by XXXX. 

At this point, there's nothing to do but file a CFPB complaint, these companies will only ping-pong me endlessly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
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:
In Accordance with the Fair Credit Reporting Act, Convergent Account Numbers XXXX, XXXX, XXXX has Violated my rights. 

15 USC 1681 Section 602 H states that I have a right to privacy.

15 USC 1681 Section 604 Section 2 It also states a consumer report agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 2023-05-23
Company: EQUIFAX, 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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: OR
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:
XXXX XXXX XXXX reported that I have not made any payments on my credit card since as far back as XX/XX/XXXX ( possibly longer, but that is as far back as I can see on Experian ). On XX/XX/XXXX, XXXX reported to the credit bureaus that my account was past due. It was not. I have never missed a payment with them, and my credit report shows no other negative information for the entirety of my credit history. I have never missed a payment on any card, including this one. 

THEIR INCORRECT REPORTING IS JEOPARDIZING MY ABILITY TO SECURE HOUSING FOR ME AND MY XXXX YEAR-OLD CHILD, AND OUR LAST DAY IN OUR CURRENT HOME IS APPROACHING QUICKLY. 

I disputed this information with XXXX both via Experian 's website and on the phone with XXXX on XX/XX/XXXX. I spoke with a XXXX representative a couple of days later, and I was told the information was being corrected. Experian showed the dispute as confirmed accurate on XX/XX/XXXX. I called XXXX again and was told again that the bank had corrected the information. I asked for written confirmation of this and was told I could only receive this via postal mail. I confirmed my mailing address and was given case number XXXX. Two weeks later, I have still received nothing, and my credit report continues to reflect incorrect 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 2022-07-12
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent a letter to Experian disputing inaccurate information the bureau is reporting on my consumer report. 30 days have passed and they have not responded and/or provided any findings from their investigation. On XX/XX/2022 I sent a 30 day demand to comply letter in regards to the bureaus failure to uphold the law and comply with the legal time given to them for an investigation. They still have not responded or provided findings from their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
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: Was not notified of investigation status or results

Complaint:
I submitted paperwork proving that I was a victim of identity theft on XX/XX/2021 to all three bureaus ( XXXX, XXXX, and Equifax ) and I still haven't received a response from any one of them. I had proof that my identity has been compromised and that I need an investigation to clear everything up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
EXPERIAN IS ALLOWING AN AGENT OF A DEBT COLLECTOR /BUYER TO BECOME A SUBSCRIBER AND CREATE A COLLECTION ACCOUNT BY CHANGING THE DEBT AMOUNT BY XXXX DOLLAR AND CHANGING THE NAME ON THE ACCOUNT TO THE AGENTS NAME BECAUSE EXPERIAN HAD PREVIOUSLY DELETED THE DEBT COLLECTOR/DEBT BUYERS ACCOUNT FROM MY FILE. 
THE ACCOUNT REPORTING ON MY FILE IS XXXX XXXX, ACCT NO XXXX.THIS SAME DEBT WAS DELETED AS XXXX XXXX, ACCT NO. 
XXXX. 
THE ORIGINAL CREDITOR IS 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 2022-12-03
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report +Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/2021 dispute regarding request to remove negative reporting missed payments on a XXXX business account auto loan, Disputes opened with Equifax, XXXX, and XXXX. The payments were not late but were reported late by XXXX after a failure on their part to adjust the loan payment structure following covid 19 and account being affected by natural declared disaster. There has been no response from XXXX or the 3 credit agencies regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: Stern Recovery Services, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Please be advised I have requested validation and " verification '' of an item reported to you by Stern Recovery Services Inc for XXXX XXXX and XXXX XXXX. 

Stern Recovery Services Inc did NOT provide me a HIPPA release that releases my medical information to them, therefore by XXXX XXXX and XXXX XXXX  providing such information to them without my consent are in VIOLATION of my HIPPA rights. I will proceed with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

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 2018-11-17
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: Information belongs to someone else

Complaint:
On XXXX I applied for a credit card and was surprisingly declined. When I got the reason via mail I was shocked to see that my credit score had dropped almost 200 points. I had an extremely difficult time reaching someone at Experian in regards to this matter. When calling in, you have prompts for about 3 things and none of them would bring me to a live operator.

I finally got through to someone and received my credit report via mail since I couldn't login online. When I got my report I was shocked again to see that another persons account had been merged with my own. I can't imagine how something like this would happen. Again, while trying to reach Experian via phone, it was incredibly difficult to reach an operator. It's almost as if they don't want you to resolve the issues. An issue that they themselves created.

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 2018-11-16
Company: Diversified Adjustment Service, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a phone call on XX/XX/2018 from Diversified adjustment services regarding a sprint bill from XXXX.When I told the woman over the phone that I couldn't pay it she interrupted me started cussing in a threatening manner I then hung up. She has since been calling my phone several times a day, sometimes more than once in an hour through out the day. This has been going on at least 3 times a day since and at one point she called me FIVE times in one day. This is not professional and is starting to be harassing and threatening. I called this company on XX/XX/XXXX to make a complaint and was cut off and told I needed to settle my debt before they would transfer me to the supervisor. I have my phone records if needed to prove it

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
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 am really infuriated now! As if all the efforts Im putting into this are non-sense, you are so negligent! What is happening over there at the CFPB and Transunion?! Are guys playing around? Well, let me say to you that I am not! I am so stressed that you are just ignoring my request to DELETE the fraudulent accounts from my Transunion report. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physical & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX XXXXXXXX

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 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The only address that should be listed on my credit report is the current address, which is the address presented on my driver 's license. According to consumer laws 15 U.S.C 1681 listed below it is not fair, nor does it give me any privacy to list and display addresses where I do not reside to be included on my credit report. Especially if I didn't consent to them being listed per any written instructions. These addresses provide incorrect information to supposed creditors, and can open the gates of fraudulent activity via mail when sent to a residence I no longer reside. In most cases the occupant of that address will open that mail, and can use that particular information fraudulently to open or reopen accounts, etc.

15 U.S.C. 1681 Section 602 A - says I have the right to privacy.

15 U.S.C. 1681 A ( 4 ) - states consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 - Consumer reporting agencies may not furnish account information 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 2022-11-02
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. 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

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