BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-03-27
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX and 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 2023-11-13
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act, The following accounts has violated my rights : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/2023 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 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 explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 XXXX XXXX XXXX XXXXXXXX attempted to charge me almost be double for the XXXX XXXX XXXX I received. I only used {$600.00} on the card, but they ballooned the charges to {$1500.00} in XX/XX/XXXX, so instead of paying, I called to ask where did the other charges come from. In XX/XX/XXXX, I started back paying, but by XX/XX/XXXX, I noticed they did not take the other unauthorized charges off, so I stopped paying and ask them to settle this in court. 

Since XXXX they have reported this to Trans Union, XXXX, XXXX as a charge off. 
However when I tried to pay the actual amount owed on several different occasions by calling XXXX XXXX XXXX, they refused and stated the account was in collection. 
I called the collection agency, they said they sent it back to XXXX XXXX XXXX. 
XXXX XXXX XXXX stated there was nothing they can do, not even accept my payments of the actual amount owed instead of the bogus inflated charges trans Union, XXXX, and XXXX have been putting this on my credit report without my permission, even after several letters detailing the issue. 



In accordance with the fair credit reporting act, the above mentioned creditor & credit bureau agency has violated my rights.

Under 15 USC 1681 section 602 States that I have the right to privacy.

Under 15 USC 1681 section 604 ( a ) section 2 also States a consumer reporting agency can NOT furnish an account without my written instructions Under 15 USC 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 non-monetary relief
Consumer complaint received 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There is an error being reported on my credit file from the creditor XXXX The account is being reported 30 days late in both XXXX and XXXX. My payments are {$32.00} per month. I pay more to cover the next month sometimes, which was the case in XXXX. However, the late is being reported when I never was more than 30 days late for neither XXXX, XXXX or XXXX ( see receipt copies ). Please assist with correcting as this is having a very negative impact 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 non-monetary relief
Consumer complaint received 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Between the dates of XX/XX/XXXX - XX/XX/XXXX I have disputed multiple times to have the closed XXXX XXXX account deleted due to XXXX XXXX not following METRO 2 COMPLIANCE Account has been paid but XXXX XXXX refuses to do a pay for deletion

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 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Under the FCRA 15 US code 1681 my rights are being violated because its inaccurate information reporting on my credit file. The FRUADULENT accounts that's listed DO NOT BELONG TO ME AND NEED TO BE REMOVED IMMEDIATELY. I have reported this information to the FTC please delete the accounts as soon as possible to legally update 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 non-monetary relief
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: NY
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 have sent several letters to Experian to remove inaccurate information from my report. but they refuse to make the adjustments to my report, which is to remove the personal information that I want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. financial institutions arent supposed to share my information with third-partys. 

These are clear violations of my Federally protected consumer rights.

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 2023-10-07
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: Credit inquiries on your report that you don't recognize

Complaint:
After getting a full report of my credit I noticed there are a few inquiries I do not recognize, and I did not sign up or get an account with the following companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nor have I received proof of me with a contract/ service given from their companies. 

I also noticed that there are additional credit inquires for a company I do have accounts with XXXX XXXX XXXX I have 4 open accounts dated : XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX this is only a total of 4 inquires that were made there is a total of 10 added inquiries I feel are duplets that were reported for one account twice on different dates the following dates I did not do the following inquires : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( reported twice for same date ) XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XX/XX/2023. 
As for these dates no accounts are open, All open accounts with company dates have inquires listed which are the four I only have knowledge of.

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 2023-11-28
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I originally borrowed XXXX for a private career training loan. I have not missed a payment as it has been set up on auto-pay since XXXX when the loan was originally taken out. Navient took over my loan after their split from XXXX XXXX in XXXX. I am getting nothing but the run around from Navient and I was originally told the loan would be paid in full in XX/XX/XXXX. Then when I saw the amount still withdrawing from my bank account, I immediately called to to find out what the problem was. To my surprise, they added several more thousands of dollars to my payoff amount and then said that my loan would not be paid in full until XX/XX/XXXX. I have requested all records from them regarding the original loan amount agreement and terms yet they still have not sent to date. In addition, my new pay off date is now XX/XX/XXXX. I have been paying on this loan since XXXX and has been on autopay. Now they are saying I am behind and owe an extra {$220.00}, but it has been on autopay and looking at my history- they have received a monthly payment every month since original borrowing date of loan. I am unable to claim the amount of interest I have paid on taxes as I was informed that " it's not deductible on a private loan. '' In addition- as a single parent of XXXX small children, I went back to school full time at night for my XXXX XXXXXXXX XXXX while I was still working full time as an XXXX during the day. I called Navient again to see if I could place in deferment since I was back in school at a full time status and they once again informed me that I couldn't defer payments since it was " a private loan. '' I need someone to look into this fraudulent activity as my pay amount continues to increase, now they say i'm late on payments- when it's been on autopay, and I have been paying on this since XXXX and it's XXXX and the loan is still not paid in full when the original borrowing amount was only XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: WI
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:
According to the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 a account without my written instructions Account name : 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 2023-11-26
Company: Commercial Trade, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently I had a {$2000.00} collection From Commercial Trade Inc/ XXXX XXXX post to my XXXX credit bureau XXXX When Commercial Trade first contacted me in XX/XX/XXXX I sent them a letter disputing this action and received no communication back. My contract with XXXX XXXX and XXXX XXXX XXXX XXXX was canceled 3 years ago. XXXX XXXX agreed not only to cancel my contract but multiple other contracts in my presence. He received the letter of cancelation he ask me for on XX/XX/XXXX. XXXX XXXX was supposed to send me a digital or hard copy of the canceled contract that he should have in his files. I would caution your company that this appears to be a fraudulent claim. XXXX XXXX continued to charge his customers after he was in breach of our contract and assured us that he would not purse enforcement of any canceled contracts if we didn't pursue repayments of the over payments made to his company during the covid lockdown. He has not attempted to serve me with any Late Bills or Invoices and have not had any contact with him since XX/XX/XXXX in regards to any debts. I look forward to getting this resolved thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX XXXX, Equifax, and XXXX were requested by me the consumer to correct inaccurate loan information and inaccurate reporting of payments, as well as, place XXXX XXXX XXXX XXXX into a dispute status as the company has defaulted on their administrative process and failed to verify the debt. Serviced registered mail, return receipt through the United States Postal Court under the authority of the XXXX XXXX XXXX. According to the Administrative Procedures Act we have a contract and they have no claim to the account and it must be deleted immediately on request from the consumer. XXXX, Equifax, and XXXX sent me an updated report 10 days later which reflected that they verified the debt with XXXX XXXX XXXX, which I could not do. I sent them the attached letter on XX/XX/XXXX certified mail, return receipt as evidenced, as an attachment. I demand that XXXX, XXXX, and Equifax in accordance with the Fair Credit Reporting Act, 15 USC 1681 Section 609 ( a ) ( 1 ) ( A ) to present to me the physical verification of the original signed consumer contract signed by me the consumer. Federal laws gives them 15 days to present this to me and they have failed to do so. It is confirmed that the account can not be lawfully verified and as such must be removed from the consumers credit report immediately. This is a gross violation of my privacy and against the privacy act of 1974. I expect my credit reports to reflect this change in accordance with Federal Law. If this is not corrected I will bring this issue to the Attorney General and Comptroller of Currency and start collections according to what is allowed by Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT XXXX XXXX XXXX  Credit usage 100 % Balance {$300.00} Balance updated XX/XX/2023 Credit limit {$300.00} It's normal for the credit card balance you see on your credit report to be different than the one on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases may not show up until your credit report refreshes. 
Account info Account number XXXX Open/closed Open Date opened XXXXXXXX XXXX XXXX Account type Credit card Payment summary XXXX XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XX/XX/2023 Highest balance XXXX XXXX  Monthly payment {$30.00} Last payment date XX/XX/2023 Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 
As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

P.S! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!

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