BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-25
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have made multiple attempts to update my report for to reflect that I was impacted by the Pandemic and Covid-19. This has made it extremely difficult to meet obligations for the account with XXXX  XXXX which is closed. I did try to dispute and fix with XXXX, Transunion, and XXXX refuses to add the affected by natural disaster or Pandemic to this reporting.

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 2023-11-08
Company: EQUIFAX, INC.
State: LA
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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
After numerous certified letters and FTC Identity theft reports, Transunion still fails to correct my credit report. This is may last attempt to reach out and request to have the following accounts blocked from my credit report or I do will not have a choice but to file a suit against Transunion. 

Account Name : XXXX Account Number : XXXX Reason : Identity Theft

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 2022-07-11
Company: EQUIFAX, INC.
State: SC
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 contacted the credit bureaus to do a thorough verification of everything on my credit report and they did. They stated that everything was accurate. I did my own thorough research and found improper inaccuracies on my credit report, even after the credit bureau 's thorough research. 

In accordance with the Fair Credit Reporting act XXXX XXXX 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 ( account numbers are inaccurate ) 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
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 XXXX XXXXXXXX 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/XXXX I received an alert from my credit monitoring site advising me that I have an account in collections. However, I shouldnt. I pay all my bills in time and I do NOT owe or have accounts in collections. This account was previously disputed and removed previously and somehow they replaced this account with a new collection agency. 
I am a victim of identity theft and have been since XXXX, I have over 7 police reports for identity theft, I also keep a fraud alert placed on my credit report to help protect me.

This account was not made by me or authorized by me. 

XXXX XXXX  account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX is in violation of UDAAP reporting of a debt with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I was denied leasing with XXXX XXXX XXXX on XX/XX/XXXX. I worked for a preferred employer mployer so the application fee was waived. However, XXXX XXXX XXXX is falsely reporting this as a debt owed on report with XXXX and Transunion ( violation of FCRA ). THIS IS false reporting. 

XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX AND XXXX IMMEDIATELY DELETE REPORTING on credit report for XXXX XXXX XXXX and the named account below : XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX PLEASE DELETE THESE ENTRIES.

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 2022-07-11
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2021-02-27
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOAN OR LEASE 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2014 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: SANTANDER HOLDINGS USA, INC.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
To my knowledge consumer protection laws are designed to safeguard consumers from unfair practices and undue financial burden. It has come to my attention that my auto loan agreement may be subject to violations of these laws. These things consist of " Lack of Full Disclosure '' and " Financial Hardship. On XX/XX/2023 I sent them a letter expressing these concerns and requesting that the debt be XXXX and that all my obligations to the debt be dismissed. That have not sent me anything in return or let me know that they had received my letter. They called me and the co-owner XXXX times a day a piece for the past XXXX days which I know is considered illegal according to certain laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have made multiple attempts to update my report for to reflect that I was impacted by the Pandemic and Covid-19. This has made it extremely difficult to meet obligations for the account with XXXX XXXX which is closed. I did try to dispute and fix with XXXX, XXXX, and EXPERIAN refuses to add the affected by natural disaster or Pandemic to this reporting.

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 2022-07-11
Company: Experian Information Solutions Inc.
State: MS
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

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 2022-10-13
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: FL
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:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
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:
I had an auto loan with USAA for an XXXX XXXX XXXX and in mid XX/XX/2022, I struck a deer and the car was totaled. Insurance didnt pay the full amount and left me with a {$250.00} balance. I had to purchase a new vehicle. I called USAA and told them that because I had to buy a new vehicle, I was unable to afford to pay a full payment on the account which was {$160.00}. I made an agreement with them that I would pay {$50.00} a month on the remaining balance until it was paid off. I told them if I get extra money, I will pay it off sooner. They agreed and I confirmed with them that I would not charge me late fees or report it to my credit. They agreed to that as long as I paid the {$50.00} per month which I have been and the loan was current and up-to-date on payments when the car was totaled. They immediately reported my account to my credit as being past due which was not correct and it was less than 30 days when they sent the information to my credit record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: OH
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 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 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 2023-09-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: Harris & Harris, Ltd.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Harris & Harris LTD did NOT stop contacting until after I submitted complaint, XXXX, to the CFPB. I reviewed multiple calls and kept the call logs after telling them i didn't owe the debt. Calls did not cease and i kept getting voicemails from the " same '' person but it really wasn't that person. They closed my original complaint without addressing the real issue after continued abusive and fraudulent tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Genesis FS Card Services, Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX Please Update Employment Information per job offers and Employment verification letter submitted from XXXX XXXX XXXX and XXXX XXXX. 

Please update inaccurate and Unfair information on my Three Credit Reports to the following : Remove all Delinquent accounts from report due to non-receipt of employment pay checks from 2 Employers ( XXXX XXXX  and XXXX XXXX. Allow Deposit of approved loan from XXXX XXXX for {$10000.00} into my established bank account or a new XXXX XXXX account. Allow receipt of {$250.00} to be deposited into XXXX account once direct deposit is established of new XXXX XXXX bank account. Remove incorrect residence information and information that is over 10 years old. ( Review letters submitted to Bureaus ) Restore XXXX XXXX XXXX to XXXX to all Bureaus due to above mentioned and approve {$1000.00} credit line asap with Destiny Mastercard due to inaccurate and Unfair information. See all documents submitted to all Bureaus requesting to update information dated since XX/XX/2023. Review Dispute status and remove inaccurate information about The following account on report : XXXX XXXX. Please increase XXXX score due to Real Estate Valuation updates for XXXX XXXX XXXX XXXX, XXXX SC XXXX. Allow XXXX credit score goal to be achieved by XX/XX/2023 for XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX SC XXXX. 

Longevity, Peace and Prosperity XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Email : XXXX Please be informed that this email is intended for the recipient listed. If you are not the person or business entity that is not intended to receive this email and receive it in error, please disregard and delete. This email is not intended for judicial or jailing purposes and is not to be used for scams or defrauding purposes. Thank you for your service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: R & B Corporation of Virginia
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear CFPB, It is troubling to have to send this email after repeated calls to multiple offices, including the hospital, collections and the insurance company to correct this issue. On today, XX/XX/XXXX, I received an XXXX  report alert that Credit Control Corporation had added a delinquent account to my report. The bill has XXXX XXXX  XXXX XXXX as the creditor ( EDP # : XXXX ). 

This collections misinformation has caused my credit to plummet by over 100 points in the midst of me closing on a house on XX/XX/XXXX. I need this to be removed from my credit immediately, because XXXX previously told me in XX/XX/XXXX that they were going to write off the debt, because it wasnt my fault that the bill was sent to the insurance company after their agreed date. 

Please see the attached bills that I received from XXXX XXXX XXXX  XXXX XXXX for my son, XXXX XXXX XXXX, on XX/XX/XXXX XXXX date of service ). The first bill was from XXXX XXXX XXXX XXXX, XXXX in the amount of {$970.00} ( Account Number : XXXX ). XXXX XXXX XXXX XXXX informed me that they received the bill on XX/XX/XXXX, issued and mailed a check on XX/XX/XXXX and XXXX cashed the check in XX/XX/XXXX. 

We relocated at the end of XX/XX/XXXX. In XX/XX/XXXX or XX/XX/XXXX, another bill arrived from XXXX. This was for {$1100.00} XXXX Account # XXXX XXXX ). I called XXXX to inform them that the bill had already been paid. They told me this was a different bill from the hospital and the one that had been paid was for the provider who cared for my son. By name having worked closely with medical billing when XXXX had XXXX XXXX XXXX a few years ago, I was aware of the processes with the insurance company, because they informed me of the number of days a bill must be submitted within. XXXX asked for XXXX to send evidence that they had submitted this subsequent bill. 

I am very disappointed that it is the holidays and my over XXXX credit score is now diminished with this error beyond my control. It is unfathomable that this puts my home purchase for me and my family in jeopardy of not happening. I need this to be resolved as soon as possible. 


Sincerely, XXXX XXXX XXXX, XXXX. 
( XXXX ) XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 accordace with the Fair Credit reporting act. The List of accounts below has violated my federally protected consumber 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 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 instruction 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 2021-08-25
Company: CITIBANK, N.A.
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief