BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-02
Company: EQUIFAX, INC.
State: TN
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, inaccurate information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XX/XX/2020 ; XXXX - CARD SERVICE XX/XX/2020 ; XXXX XXXX XXXX XX/XX/2020 ; XXXX XXXX XXXX XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
In XX/XX/2020, XXXX XXXX XXXX advertised to help individuals to help consolidate their debt into XXXX payment. Of course, l got interested and opted to have my accounts consolidated. Paper work was signed and the program began. Since XX/XX/2020, l began payment thinking they will make payment on my behalf. It did not happen so. Whiles l was paying, they were not paying my creditors leading my accounts to go into DELINQUENCIES. I talked to them and they told me it was done intentional so the creditors would no that l can not pay so they negotiate on my behalf. For six months creditors were on my neck with calls and emails. After six months when my accounts were in delinquency, before they began payment. For all these while, l was paying the said amount they asked me to pay monthly and did not miss a single payment. Before joining XXXX XXXX XXXX, l was on top of my payment, just that l wanted to have them in one place hence the reason to join them.

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 2022-06-02
Company: Receivables Management Partners, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports, it is fraudulent to have reported the account in question without my written consent. Please provide evidence of such or remove the item in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my right .15 USC 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 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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 asked the credit bureaus to do verification on the following five accounts, and they did, they stated the accounts are accurate, and I did a thorough research myself and found improper inaccuracies with these five accounts even after they did the thorough research. 

I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THE FOLLOWING ITEM ( S ) TO BE ERRORS, OR ARE DEFICIENT OF PROOF OF NOT BEING UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, OR ELSE WISE NOT COMPLAINT, TO INCLUDE TO METRO 2 REPORTING STANDARDS. 

Here as follows are items in potential error requiring immediate annulment of the retainment and or reporting : Account Name : XXXX XXXX XXXXXXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXXXXXX XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Please remove this inaccurate, untrue, incomplete, and non compliant information from my credit report immediately. 

This is a violation of the FCRA and is also in violation of metro 2 compliance reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights.

15 U.S.C 1681 section 601 A. States I have the right to privacy 15 U.S.C 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 non-monetary relief
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, 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 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
Consumer complaint received 2022-06-02
Company: Netspend Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This company will not allow me access to my funds, I have verified my identity a few times but they are still insisting that my account is now closed, I have not been able to access any of my money and have been waiting for months

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 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX CARD 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 2022-06-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX CARD 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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX i sent the following letter via certified mail to all three credit reporting agencies. 


To whom it may concern, I have recently received my credit report and would like the following inaccurate information to be investigated. These inaccuracies are negatively affecting my life and would like them removed. 

XXXX XXXX XXXX  Account XXXX XXXX Delete this account because all three bureaus report different Date last active XXXX trans union XXXX XXXX [ XXXX XX/XX/XXXX ] [ XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX  Account # XXXX Delete this account because all three bureaus report different Date last active [ Trans Union XX/XX/XXXX ] [ XXXX XX/XX/XXXX ] [ XXXX XX/XX/XXXX ] XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX Delete this account because all three bureaus report different Date last active [ Trans Union XX/XX/XXXX ] [ XXXX XX/XX/XXXX ] [ XXXX XX/XX/XXXX ] Please send me a new credit report reflecting these changes. 

Thank You XXXX XXXX The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are still differnt date last active being reported on each account. 
I have attached 2 credit reports, a credit report before and after the 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 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I canceled my paid subscription with XXXX and Transunion last month. Around the same time, I launched a complaint against XXXX and Transunion for reporting inaccurate information on credit report. 
However, I didn't close my credit monitoring accounts completely. Once, I canceled my Paid subscription with XXXX and Transunion I was no longer able to log in or access any of the free products .When I tried to access the free products such as Credit Lock or when I wanted to put a freeze on my credit reports I was given a phone number to XXXX and Transunion and instructed to call them. I called them and they verified all of my personal information with the automated systems. Then i was asked about four questions relating to accounts I may or may not have. Each time I answered the questions the automated voice system said that they were unable to help me. I was unable to speak to a representative. I know what accounts I have and don't have. I am positive that I answered all of their question correctly. It is very frustrating that I am unable to speak to a real person when I call. It is also very suspicious timing that I am unable to access my credit report right after I canceled my Paid subscription. I only canceled temporarily because of financial reasons. I still need to have access to my credit report and or free products on a daily basis. I feel that I am being punished by XXXX and Transunion because I filed a complaint and stopped paying them. Please help me.

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 2022-09-09
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 is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been an encounter going over this and I am submitting this complaint AGAIN to remove the following fraudulent accounts in my file that are reporting on Transunion Credit Bureau. I am a victim of identity theft and did not create the responsibility or the accounts. I request that the accounts be erased to accurate my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged accounts below showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6800.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$5200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My family will be impacted by the deficiency judgement from a sheriff 's sale. 
I put my house on the market had a Contract and a Short Sale approvel on my mortgage which is now with the 3rd Trustee XXXX. My loan is now part of XXXX security XXXX. 

There is a replacement buyer on an a Short Sale Approval due to delay the peole I had bought something else. 

SPS servicing never told me the new buyer 's contract was never reviewed. I was not told that the replacement contract was never looked at. The new buyer Contract is all cash the buyer for the same amount. 

This unfair treatment will impact me and my children with the deficiency judgement from a sheriff 's sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: MD
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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:
In accordance with the Fair Credit Reporting Act, The reporting of the Account listed as : XXXX XXXX on my XXXX and Transunion Credit report has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 USC 6801 states that Credit Reporting Agencies have an obligation to protect non public personal information 15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions the FCRA states that companies are obligated to maintain accuracy of all items reported.

The information in this account are not only constitutes " non public in personal information '' and they have been reported INACCURATELY. Multiple details including the balance amount as well as the date of the account openings are reported differently on the XXXX report and the Transunion report. XXXX does not even have a record of this account existing at all. 

The reporting of this information has damaged my ability to acquire funding and has greatly impacted my mode of living. 

The reporting of this information without my expressed written consent constitutes a violation of 15 U.S.C 1681 section 602.

I also never received any communications or disclosures informing me of by ability to opt out of these reports. 15 U.S.C. 6802 B states that reporting company is required to send me the aforementioned communications ; The lack thereof constitutes a violation of the FCRA.

I have communicated in writing several times with company and they have failed to comply with my written instructions, as well as failed to provided details of the results and methods of investigation in an investigative report as required by 15 U.S.C 1681 ( b ) Disclosure on request of nature and scope of 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 2022-05-31
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX XXXX I mailed out letters to all three credit agencies XXXX, Experian and XXXX stating that I did not recognize several inquiries on my credit file which is unauthorized use of my social number/credit card. These unauthorized inquiries were furnished up to my consumer report without my consent. These agencies did not comply with their own policies in a timely manner with responding to my complaint within 30 days.

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 2022-09-09
Company: Experian Information Solutions Inc.
State: NV
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 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 filing a legal complaint against you!

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 2022-05-31
Company: EQUIFAX, INC.
State: TN
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:
XXXX XXXX I mailed out letters to all three credit agencies XXXX, XXXX and Equifax stating that I did not recognize several inquiries on my credit file which is unauthorized use of my social number/credit card. These unauthorized inquiries were furnished up to my consumer report without my consent. These agencies did not comply with their own policies in a timely manner with responding to my complaint within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX 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