BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Account # XXXX I challenged the accuracy, compliance, verification, and reportability of this listing. Please validate this information XXXX XXXX XXXX and ask them to provide me with copies of the original contract and validation and method of verification associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. This fraudulent report has inaccurate term duration, on XXXX it reports as 1 month and on Transunion it reports as 0 month which is an inaccuracy. This account is also CO and they are reporting every month and re setting account activity which is not legal. I request validation and method of validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ] [ 15 U.S.C. 1681 e ].

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 2023-07-07
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
All last year I tried to update but no luck and I don't remember specific dates because it was several XXXX XXXX XXXX I have tried several times to update and remove inaccurancies with Equifax and they say Items are considered Current with Equifax. Formerly known as name is wrong, 2 addresses are wrong ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). Employer is inaccurate not XXXX printed out my credit report and the inconsistencies with my credit report.They keep denying me the chance to update, inconsistencies. I call their customer service number and their very impatient and rude with me. I'm trying very hard to pay off all my debt now that i got a new job. I'm almost done paying off all my debt! I'm just trying to get a positive outcome. I just want to make sure I'm not paying off someone else 's debt. Thank you, have a great day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
We purchased XXXX Amex Gift cards directly from Amex on XX/XX/XXXX order number XXXX. We lost 3 of the cards. One card with a balance of {$2800.00} card number ending in XXXX, the 2nd card lost had a balance {$500.00} card number ending in XXXX and a third card with a balance of {$390.00} card number ending in XXXX. We have called the card company 2-3 times a month ( average an hour on the phone each call ) since XX/XX/XXXX and still have not received replacement cards. On XX/XX/XXXX I sent them copies of my drivers license, utility bills and proof of purchase and I was told many times that the replacement cards were being sent to me and none have ever showed up. I also called AMEX direct and they supposedly escalated with the gift card company they use named XXXX but still haven't heard back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30
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:
Please help me understand why this investigation is taking so long. Im a victim of identity theft!! I first notified Equifax XX/XX/21!! Its now XX/XX/21 and Equifax is still investigating!! I see I must get and Attorney and file a report with FTC and FCRA!! Its 3 accounts on my report which are fraudulent!! XXXX XXXX & XXXX  has blocked & deleted items!! Equifax keep saying they are investigating, its nothing to investigate. One company sent me a few pages of a contract, WHICH DOES NOT HAVE MY SIGNATURE ON IT!!! IT ALSO HAS THE WRONG DATE OF BIRTH BECAUSE ITS FRAUDULENT! Equifax NEEDS TO FOLLOW SUIT AND DELETE THIS ITEMS FROM MY REPORT ASAP!! 

1 XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) {$610.00} 2. XXXX  XXXX ( XXXX XXXX XXXX  ) {$590.00} 3. XXXX XXXX XXXX {$500.00} IVE NEVER DONE BUSINESS WITH ANYONE OF THESE COMPANIES, IVE NEVER ENTERED INTO A CONTRACT WITH THESE COMPANIES!! These accounts are fraudulent!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
A unauthorization report on my credit 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 explanation
Consumer complaint received 2023-07-07
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-14
Company: Atlantic Credit & Finance, Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Received a letter on XXXX2018, regarding a debt with XXXX XXXX XXXX XXXX, Contacted Atlantic Credit and Finance Incorporated, XXXX. XXXX XXXX XXXX, VA XXXX. XXXX AFC : XXXX Account Number : XXXX Called : XXXX XXXX XXXX Current Servicer : Atlantic Credit and Finance Inc. 

When calling, I was transferred to several people with in the Credit and Finance group to settle a debt, the employee stated this was an attempt to collect a debt, then I was placed on a brief hold and transferred to a representive. 
I was ask a brief couple of questions regarding the debt and answered the questions in regards to the letter sent to my home by Atlantic Credit and Finance Inc./ :  XXXX XXXX XXXX . 
Why did it take so long to pay your bill? 
What did you do with your income and monthly income? 
o What bills are a priority in your household? 
Why did you neglect your XXXX XXXX card statement? 
Did you have an issues at your home where you needed to replace items or a fire or natural causes of a disaster? 
Do you have health issues? 
Employment hours reduced beyond your control? 
I answered the question several times, repeating the answers and then asked to settle the credit card debt, as instructed in the written letter sent by this said firm. I was then transferred to a manager and the same process was repeated. 
Why did it take so long to pay your bill? 
What did you do with your income and monthly income? 
What bills are a priority in your household? 
Why did you neglect your XXXX XXXX card statement? 
Did you have an issues at your home where you needed to replace items or a fire or natural causes of a disaster? 
Do you have health issues? 
Employment hours reduced beyond your control? 
I then became upset and requested a settlement of which I was denied, and I hung up the phone and called our family lawyer the firm is not willing to settle a debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-04
Company: HYUNDAI CAPITAL AMERICA
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:
information on credit report is not reporting correctly

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 2023-09-27
Company: Experian Information Solutions Inc.
State: LA
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:
Delete all hard inquiries : How you delete everything on your credit report statement : ( collections ) They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2. The law clearly states the credit bears have 5 ] days to notify me from when they receive my disputes.

They also violated my rights under 5 USC 1681 Section 611 ( 6 ) ( a ) ( i ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting hall prompts delete the information from the file of the consumer. The credit Bureaus never did a preparer investigation according to the FCRA. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumer 's character general reputation personal characteristics or mode of living is obtained through personal interview with neighbor 's friends, or associates of the consumer reported on or whom he is acquainted or who he may have knowledge concerning such items of information. 
They did not do this. 

XXXX XXXX  Balance updated {$37000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Delete ALL

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 2022-12-29
Company: Financial Data Systems
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
FINANCIAL DATA SYSTEMS is in violation of federal law for furnished fraudulent data. I have never enter into a contract with FINANCIAL DATA SYSTEMS, yet they are reporting an account on my consumer report. 

XXXX XXXX XXXX is also in violation of federal law including HIPAA for sharing my personal and medical information with a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX 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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX Account # 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 2021-08-30
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'm currently having a primary home mortgage with Mr Cooper. I was in the Mortgage Forbearance during Covid-19 pandemic, so the mortgage payments were paused. However, before I exited the forbearance, I contacted Mr Cooper to resume the monthly mortgage payments. In XX/XX/2021, Mr Cooper provided me the modification option after exiting forbearance. In order to get back to regular monthly payment, they set up a trail payments for me for 3 months, and I was told this will be autopayment. However, Mr Cooper messed up and failed to process my 2nd trial payments. After I noticed the situation, I contacted them immediately, then I was told that I was given wrong information, which was not autopayment. Since then, I contacted Mr Cooper almost hundreds of times for solutions, however, no one could really help me to get back to the trail payment again. It just keeps me waiting and waiting. I was left all alone by myself, and I couldn't even make a monthly payment on my account. It was locked in the system. I'm also concerned this would damage my credit report when Mr Cooper keeps delaying it, or even worse, it might cause me to lose my primary house. 
I just want to get back to the trail payment for modification plan because Mr Cooper made the mistake on setting up the payments that caused the issues. I would like to be able to get back to regular monthly payments. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 want this deleted off my report because I have not gave right to disclose non personal information to non affiliated third parties GRAMM-LEACH-BLILEY ACT , 15 U.S.C. SEC. 1602 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I have not supplied institution to disclose non public information under doctrine GRAMM-LEACH-BLILEY ACT , 15 U.S.C. SEC. 1602 therefore I request deletion of this account off my 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 2022-12-29
Company: EQUIFAX, INC.
State: LA
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 sent over disputes to XXXX and Equifax. The problem has been over 30 days with no resolution. 
Please Delete and Remove from my credit report XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-10
Company: EQUIFAX, INC.
State: NJ
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
i requested my annual credit report on XX/XX/2023 from the credit bereaus and none of them furnished a copy

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