BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-15
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:
Transunion received a letter from me in the mail around XX/XX/2022. The letter was an FCRA 605B letter stating that they needed to delete all fraudulent accounts within 4 days of receipt of this letter. Inside the letter, I included a summary of what needed to be removed, the FCRA 605B clause, a copy of my XXXX XXXX police report from XX/XX/2022 citing identity theft and naming each individual alleged account with each alleged account balance, a copy of my ID and social security card, as well a copy of my Transunion credit report showing all fraudulent accounts that need to be removed or blocked by Transunion. XXXX of the accounts was not blocked or removed from my credit report. That is XXXX XXXX ( XXXX ) account # : XXXX with a balance listed of {$1800.00}. All other accounts have been removed except this one, and XXXX XXXX already received a copy of my police report back in XX/XX/2022 as well as several phone calls about this fraudulent account opened in my name and XXXX. 

Additionally, Transunion mailed me a strange letter, accusing me of working with a credit repair company, and I have not worked, nor even consulted with any credit repair company. I know my rights, I know the law, and I know that FCRA. Like I said, I am a document in victim of identity theft. 

This fraudulent item needs to either be blocked or deleted from my credit report immediately or legal action will immediately follow. This is a violation of the FCRA ( XXXX ). Attached is a copy of my police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states if item are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 NUMBEROUS attempt to notify you that I am a victim of identity theft and that I would like to inquire about certain entries in my documents that have formed as a result of the wrongdoing. The documents under consideration have nothing to do with any transactions involving products, services, or money that I have made or approved. Assuming no one cares, please erase any information in my credit record obtained through claimed fraud or extortion. 
XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX XXXX  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 explanation
Consumer complaint received 2018-05-13
Company: Experian Information Solutions 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 XXXX XXXX is in error. I submitted a check for payment in full. 
I have provided them with a copy of my contract and my check which was endorsed by XXXX XXXX XXXX. They have payment in full. 
Both the credit bureaus and this bank have their story wrong and I have not my opinion but documentation. I have hired a lawyer to help on this and want to notify the Consumer Financial Protection Bureau that I am being mistreated by the credit reporting agencies. 
I have furnished evidence to both of the aforementioned parties and they have responded with zero evidence.

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or omit the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to formally dispute and request the removal of several items on my credit report that are inaccurate, misleading, or fraudulent. These items are adversely affecting my creditworthiness and financial standing, and I kindly request that you investigate and rectify these issues promptly, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please find below a detailed list of the accounts which needs to be corrected or removed by the Credit Bureaus : XXXX. XXXX XXXX Balance Owed : {$6700.00} Date Opened : XX/XX/2020 - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 


I have enclosed copies of documents that support my claims, including [ attach copies of any relevant documents such as identity theft reports, bankruptcy discharge papers, or proof of address corrections ]. 

Under the FCRA, I request that you : Promptly initiate an investigation into the accuracy of the disputed items. 
Notify me of the results of your investigation within 30 days, as per federal law. 
Correct or remove any inaccurate, incomplete, or unverifiable information from my credit report. Failure to comply with the FCRA can result in legal consequences. I trust that your agency will handle this matter with the utmost professionalism and in compliance with the law.

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: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
EXPERIAN IS REPORTING SOMETHING ON MY CREDIT FILE THAT I HAVE NEVER SEEN BEFORE I HAVE IDENTIFY THEFT LISTED ON MY REPORT BUT THEY HAVE IGNORED IT I KNOW NOTHING OF THIS XXXX COMPANY THAT SAY I AM A JOINT OWNER I NEVER GAVE ANYONE PERMISSION TO USE MY INFORMATION AT ALL THE COMPANY NEVER CALLED ME TO VERIFY ANYTHING THREW ME AT ALL NOW MY CREDIT IS RUINED RUINED RUINED

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 2023-07-11
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2023-02-12
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
XX/XX/XXXX I sent XXXX updated information regarding my current employer as well as my only name that should be reported on my consumer credit report. They left the Also Known As name and instead of including all my employers, they included XXXX of XXXX of my current employers and left an employer I no longer work for dated back in XXXX. That impacts my ability to get financing as it is not consistent with the applications I applied for. 

I have a XXXX XXXXXXXX  account for over 10 years in good standing and it is not reflected on my XXXX nor the Experian report. 

I have a XXXX ( in XXXX ) and XXXX ( in XXXX ) account in good standing in over 9 years for XXXX and XXXX years for XXXX and it is not reported in Experian and XXXX respectively. 

Since XXXX % of my score is contingent upon credit history, these accounts not being reflected on the credit bureaus it is impacting my overall score and ability to qualify for financing. 

There are collection items showing up on my report. I requested a comprehensive Full File Disclosure. They have willfully chosen to be in noncompliance of the law to make their best attempt to investigate and provide me full disclosure of 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 explanation
Consumer complaint received 2022-05-24
Company: Tate and Kirlin Assoc
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Tate and Kirlin Associates , Inc has been contacting me via phone and mail to collect debt for XXXX XXXX ( original creditor ) and XXXX XXXX XXXX ( current creditor ) in the amount of {$72.00}. Ive never purchased anything from the original or current creditor. Ive asked Tate and Kirlin to stop contacting me but the continue to request payment. The debt they are attempting to collect is for XXXX XXXX. While my maiden name is XXXX, I have not used this name in 19 years. 

Letter Reference Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have some account on my credit file that are not my and I have tried to fix the situation back in XXXX as when I first witness it. Accounts such as XXXX  XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX. I would like this item remove off of XXXX XXXX and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: DE
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:
Hello I recently received a copy of my credit report and I see that you are reporting inaccurate information in the personal information section. To diminish any speculation, my information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX, De XXXX. Employer : XXXX Please remove any other references to my name, address and employer as they are not mine and I never used them. Also please send me an updated credit report when you have made these 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 explanation
Consumer complaint received 2022-05-24
Company: Kriya Capital, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have told them that I don't know what they are talking about and I don't owe the anything. They have the wrong person. They call several times day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26
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:
I was notified by your company regarding an alleged unknown debt in the amount of {$210.00} from XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX. I have reason to believe I do not owe this debt because I have never had an account with that store or because I believe you have me confused with a different person. I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4.  Documentation showing you are licensed to collect debts and also provide the original that bears authentic hand signature of agreement of the debt. Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor.

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 2018-11-12
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: Information belongs to someone else

Complaint:
I have some account on my credit file that are not my and I have tried to fix the situation back in XXXX as when I first witness it. Accounts such as XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX. I would like this item remove off of Trans union 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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Date : XX/XX/2023 the amount of the loan {$23000.00}. The loan was paid off by my insurance company. Pay Status ; Account Paid in full. This has caused other financial departments to deny me another loan. XXXX XXXX XXXX put Status as a Charge off on my credit Report. The status on my Credit report should only show current or paid off status.

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: FL
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 DIDNT AUTHORIZE ANY OF THE BELOW INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-24
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
At the beginning of the pandemic, in 2020, I was deferred from my job and was offered forbearance from my mortgage company. I was told no payment would be due and my account would remain current. This was not the case. They did not honor the forbearance and claimed I failed to make my payments in a timely manner, in spite of the fact that I wanted to resume payment in accordance of the terms of our original agreement. Instead, they continued to report me late, returned my payments back, and threatened me with extortion. They said if I didn't refinance a new mortgage through them they would put me into default and initiate foreclosure proceedings. I was willing to comply as I felt I had no other options until I was presented with the following terms, 3 % at 15-years. When I received my application, the terms changed without notification to 5.75 % at 40-years. I explained I am now able to pay and resume my mortgage and I am seeking no more than 15-years terms and they claimed they only offer 40-years term. They have intentionally reported me late, which would prevent me from seeking other financing options. This is extortion. I have went online and have seen numerous others with the exact same scenario. Loancare needs to be investigated and its clients need help, especially 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 2022-05-24
Company: Experian Information Solutions 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:
I sent a dispute into Experian, XXXX and XXXX disputing the XXXX XXXX Bank XXXX They are show several late payments on the account and a repo for this vehicle. This car is paid off and in my possession. They have still yet to send me the title to my car. The credit bureaus are not doing a very good job of keeping consumers credit protected and making sure everything is accurate. They are on the side of the credit provider. Very shameful. 
Account 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 2019-06-26
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
this pertaining to Equifax Credit Bureau- i XXXX XXXX XXXX have been fighting Equifax for about 3 years. I believe that they have let the thieves take over my Account everything is Derogatory. I finally got to see the equifax Report through XXXX  website it is a Horror. The first incorrect Serious Delinquency- Totally incorrect- I have none 2. Short Account History- My Account History is 12-14 yrs with XXXX XXXX XXXXXXXX 3. Few Accounts Paid On time- EVERY ACCOUNT PAID ON TIME 4. Then Contradiction- Bills Paid on Time Recently- I PAY MY BILLS ON TIME ALL THE TIME.

So it Appears someome else is definately posing as me. XXXX i was pickpocket shut down all the immediately. Filed police report. 
All Credit Bureau 's put Fraud Alerts.May XXXX i gave first person all correct info, next tells me that i'm not me. I have ask twice for my credit they refuse to send. I sent in all Identifying Marker 's. Twice still ignored. I'm very ill i sent in proof of that also. They refuse to answer me because they think i'm the crook. XXXX and XXXX have my Credit Exact with same Information.

Company response to consumer: Closed with explanation