BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: CA
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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I use Bank of America cash reward credit card. Early this year, an employee in XXXX delivery stole my personal information and got a cellphone through the card. I reported the fraud to the bank. I also contacted the police office because it is not only related to this credit card. However, after the BOA 's investigation, they thought it is not a fraud and close the case. I contacted with them about it but useless. So I contacted with the merchant. As the thief was found by the police, and the phone was returned to merchant, they are willing to refund me, however, when the merchant tried to issue the refund, refund is blocked by the bank and under investigation for several months. I contact the bank through phone, they said, it is not related to credit card department but merchant service and left me with a phone number. However I can not find anyone to work with because I'm not the merchant and don't have the merchant id they need to provide. The money is stay at the Bank and I never get it back.

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 2019-05-24
Company: Premier Holdings
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/2019 my husband recieved a phone call from XXXX XXXX court house in XXXX sc saying that he had a case against him from a debit collector that he didnt pay and that if he didnt pay it he was going to jail. So he called the number back and it was the XXXX XXXX house but know one knew what he was talking about. So then today a lady calls him from a debit collection agency for the first time and told him that he needed to pay XXXX for a tablet that he leased from XXXX 6 years ago and if he didnt he was going to jail. And he tried to talk to the lady and tell her that he didnt have any money now but he would Monday. And she says he can give her the info for a post dated check for Monday XX/XX/2019 and she want put it through until then and he said no I'll call you Monday and give it to you when I know the funds are in my account. She told him no nevermind I'm going to go ahead and process this and your going to go to jail. I told him I was pretty sure it is a scam. Debit collectors dont do that. So I call the number and I asked for their information and license number and the woman would not give it to me. So I call the accually company that he owes money to, and left a message for them to call me. I'm waiting on that phone call back so I can figure out if this is legit or a scam. The company answered the phone saying the name of the company was premier holding company. There phone number is XXXX. Which per XXXX it's a Texas number, but other than that I cant hind out any info on this so called company. Can you help with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I never provided Experian with consent or authorization to disclose pertinent information on my credit file reflecting inaccurate information. All in good faith and with full disclosure, this is a matter of importance that needs to be addressed immediately. 

As per 15 USC 1681s-2 ( 2 ) a -Duty to correct and update information - Late payments are considered transactions and experiences which have to be excluded from credit reporting, regardless of said company providing the information. 

Accounts with late payments : XXXXXXXX XXXX XXXX XXXXXXXX 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 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reviewed my Consumer Reports and noticed that I had several late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Account : US DEPT ED : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Incorrect names : XXXX XXXX, XXXX XXXX XXXX XXXX phone numbers cont : XXXX, XXXX Fraudulent Inquiries cont : XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX 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 XXXXXX/XX/XXXX, Resident Verify XX/XX/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 2023-06-28
Company: Experian Information Solutions Inc.
State: SC
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:
Looking at my credit report are we going by the FCRA laws or not? Under 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have suffered actual damages where I cant get approved for business funding, a mortgage, to name a few because of your companys failure to provide accuracy and fairness credit reporting. THERE ARE SO MANY INACCURACIES ON MY CREDIT REPORT, IT IS DISTURBING. What's even more disturbing is these inaccuracies are constantly reappearing causing more damage than anything. I am trying to make an honest living out here but how? So many people are going homeless because of things like this. Not to mention the defamation of character because you reported wrong information about me which assassinated my character to other corporations. 

XXXX XXXXXXXX XXXX - account number XXXX inaccuracies are showing the monthly payment, date opened, balance, high credit limit, credit limit, past due, payment status and date of last payment are INACCURATE on XXXX, Experian, and XXXX SET Financial - account number XXXX inaccuracies are showing the date opened, balance, number of months and last payment INACCURATE on XXXX, Experian, and XXXX XXXXXXXX XXXX  - account number XXXX inaccuracies are showing date opened, high credit limit, payment status, and last payment status are INACCURATE on XXXX, Experian, and XXXX XXXX XXXX XXXX - account number XXXX inaccuracies are showing date opened, high credit limit, and date of last payment are INCORRECT on XXXX, Experian, and XXXX XXXX XXXX - account number XXXX inaccuracies showing monthly payment, date opened, balance, high credit limit, past due, pay status, credit limit, and date of last payment are INACCURATE on XXXX, Experian, and XXXX XXXX XXXX - account number XXXX inaccuracies showing date opened, balance, high credit limit, past due, payment status and date of last payment are INACCURATE on XXXX, Experian, 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 explanation
Consumer complaint received 2021-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I filed a police report stating that i was the victim of identity theft. I then forwarded a copy of the identity theft police report too the credit reporting agencies Trans Union, XXXX, and XXXX and requested that they deleted the fraudulent accounts and I requested a updated copy of my credit report XXXX and XXXX failed to respond to my request. Then re-sent them the letter with copies of the identity theft reports in XXXX and XX/XX/XXXX and again they never responded. I received a response from Trans Union and they refused to delete the information stating that XXXX Americans are always breaking the law and that XXXX people cant be believe and they refused to remove the contested information. I am now requesting that your agency conduct a investigation and order all three credit bureaus to remove the contested information. Thank you for your time. Additionally at the time that the accounts were opened I was XXXX in New York 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 2023-03-02
Company: HW Holding, Inc
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Hunter Warfield is reporting a debt from a property management company for excessive debt to credit agencies. They claim I owe {$8000.00} dollars, but I was never notified of this debt, never received any billing or notice of the debt before two days ago when I did a credit check on myself to see what my score was. I told the person I talked to over the phone today that I wanted to dispute the debt and that my wife XXXX XXXX XXXX isn't being effected by this or had any knowledge of the debt either. They then told me over the phone that they intended on suing me and were taking the steps to do so as of the XXXX of last month. I pulled my own credit to find out about this false debt and was threatened. 
The court case was mediated and we came to an agreement and not once did anyone inform me I was to pay anything considering we all agreed to part ways and that was it and the court case for the agreement was dismissed outright. The agreement was made in court to just leave the residence with my wife. We did that with no issues, we didn't damage anything we didn't take anything from them, we agreed to the terms to leave and we did just that. Not once did the judge say anything about paying them this horrendous amount, the mediator didn't mention anything about paying XXXX over what my rent was ands they didn't ask for anything in court. They are reporting a debt that isn't real and i was never informed of before two days ago, it's excessive, they have threatened to sue me now and I've attached the court order and court minutes along with copies of the receipts from paying in person with my wife 's name on them to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I am writing to dispute the following information provided to XXXX, XXXX and Transunion. I have given documentation showing the items I am disputing on the attached copy of my credit report ( s ). 

These items are inaccurate because I am requesting that the items are removed from my credit report to show the utmost updated information. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note : Wrong address and wrong residence type Address : XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX Note : Wrong address and wrong residence type Address : XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX : Never lived here ; No address associated with any history of mine Address : XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX Note XXXX Never lived here ; No address associated with any history of mine Address : XXXX AND XXXX XXXX XXXX XXXX  DC XXXX Note : Wrong address associated with any history of mine Address : XXXX XXXX XXXX XXXX XXXX FL XXXX Note : Never lived here ; No address associated with any history of mine Enclosed are copies of supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed items as soon as possible.

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 2023-05-15
Company: ULRS, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Received a letter dated XX/XX/2023 amount {$660.00} This is a ongoing issue and concern with this creditor they are misinformed This is additional information submitting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 dispute of my credit report to Transunion as multiple accounts listed have incorrect information. The issue I identified which is the source of the inaccuracies on my credit report is due a debt amortization plan that was filed, approved, and completed through the XXXX XXXX XXXX XXXX. Unique to XXXX this debt amortization plan is known as a XXXX XXXX to clarify this plan is not the same as bankruptcy and should not be considered bankruptcy. Instead, my debts were consolidated into equal payments that are made over 3 years. The XXXX XXXX court process required biweekly automatic payroll deductions that were sent to a court appointed trustee that was responsible for making the payments on my behalf. I was proud of myself when I completed the XXXX XXXX  and successfully paid back close to {$20000.00} through the 3-year payment plan. I received the official court order which was electronically signed by XXXX XXXX XXXX XXXX which attests that the accounts listed in the plan were paid off in full. 

I went ahead and filed the dispute with Transunion and included the following information to support and verify my complaints merit : -A summary of my complaint -Information regarding the State of Wisconsin XXXX XXXX -Court records : the final statement of accounts ( this document listed the total amount of debt paid to each account ; ) the order of dismissal signed by the judge ( which clearly states that all debts included in the plan were paid in full, dated XX/XX/2020. ) Unfortunately, it appears that upon completion of their investigation into my complaint Transunion overlooked all the information I provided as no corrections were made to the accounts of the 4 creditors and in at least one example, the information on my report was changed to something worse.

The companies reporting blatantly false information that I requested Transunion to investigate and correct are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am beyond frustrated that all the hard work I put into correcting my poor financial choices did not matter to Transunion or the creditors. Transunion continues to allow false reports which state each of these accounts are derogatory, falsely state that I continue to owe them XXXX  of dollars, and in at least 1 account indicates that they " charged off '' my debt despite each creditor actually being paid back! 

Please help. My credit score tanked even more as a result of the investigation which is was not the outcome I was hoping for.

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 2021-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am very disappointed that I have to file a CFPB complaint on the consumer reporting agencies. They have blatantly ignored all of my letters. I have sent letters on XX/XX/2021, XX/XX/2021 & XX/XX/2021. I have not heard a response yet! This is ridiculous. I have sent letters in regards to the consumer reporting agencies violation my consumer rights! 
Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress said ANY card, The Credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

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 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  : Account number XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2021-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  has not resolved all my credit disputes properly. 
Specifically, XXXX XXXX, and XXXX XXXX XXXX and refuse to actually investigate. 

The worst part, there isn't anything to investigate because I resolved it. Personally. With my wits and XXXX. 

I sent a copy of the settlement agreement over 30 days ago. It has been " remove ' but 3 agents told me over the phone they don't know how that affects the score. 

The business agents, of a legal quasi-governmental agency, responsible for determining credit worthiness, doesn't have the capacity to tell me over the phone how certain actions impact my score. 

That's like an ice cream man selling ice cream without knowing the flavors. 

As a business agent, their receptionist should understand the impacts of credit. If they don't their supervisor should. In my expert opinion, 8 years customer service, that is a train wreck. There is no recourse to sue them. They are slower than mollases and I'm positive people aren't running to take care of their debt right now. Studies show they do the opposite. 

Point. 
It shouldn't take 30 days. The full 30 days when I have been disputing these accounts for almost 3 years. 

Now they are fully resolved and the agents don't know the impact of resolution, don't understand english most of the time, and don't know the legislation governing their business. 

A business agent, in scope of duties, is negligent, and proximately caused the result of a lack of ability to gain more credit. Due to, their inefficiency. 

Don't believe me, listen to the call placed Monday XX/XX/XXXX, beginning at XXXX XXXX central time. Right now its XXXX, I spoke to 4 agents and nothing has been fixed. 

That's malice multiplying damages at state and federal level. 

Stop playing with me and get this off my credit and offer an explanation why things are taking the full 30 days, when numbers from various sources show most people do not resolve debt in a recession, inflation filled, pandemic. C19 been around a year, that excuse doesn't fit anymore.

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