BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I need this items deleted from my credit report : XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, NO ACCT NAME, XXXX, XXXX XXXX. Inquiries : XXXX  XXXX   XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. 

I have contacted my local police and the FTC. I am doing this on my behalf.

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 2020-01-25
Company: EQUIFAX, INC.
State: NM
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:
On XX/XX/XXXX I accessed my free annual credit report and discovered that Equifax was reporting an auto loan that my husband and I have with XXXX XXXX XXXX XXXX XXXX ( XXXX ) as CLOSED with last payment XX/XX/XXXX. This account is currently open, with an excellent payment history, last payment XX/XX/XXXX. I filed an online dispute with Equifax on XX/XX/XXXX and on XX/XX/XXXX I received a communication from Equifax in the mail dated XX/XX/XXXX confirmation # XXXX ( copy attached ). This communication stated that a reinvestigation of the XXXX account was researched and the creditor verified the information in the communication which included no account balance and last payment date of XX/XX/XXXX. 

On XX/XX/XXXX I spoke with XXXX in Member Services and XXXX in Special Accounts at XXXX ( XXXX ). In response to my dispute with Equifax, on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX XXXX provided Equifax with documentation that the auto loan remained OPEN, in good standing with current monthly payments. It is noteworthy that for 84 months XXXX XXXX XXXX XXXX XXXX has provided Equifax with documentation of an open account in good standing, current monthly payments and balance information and Equifax has failed to report this information since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: GA
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative marks on my credit report related to several accounts. The accounts in question are : XXXX XXXX XXXX XXXX late payment account XXXX XXXX XXXX late payment account XXXX XXXX charge off account XXXX XXXXL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX collection account I am disputing these negative marks because they are inaccurate and do not reflect the true nature of my creditworthiness. Firstly, I would like to point out that I have been a responsible borrower and have always made payments on time. However, due to unforeseen circumstances such as a sudden medical emergency in my family and loss of job, I had faced financial difficulties and was unable to make timely payments. 

Regarding the charge off account with XXXX, I believe that there has been some mistake or error on the part of the bank. I had made all my payments on time, and I was not notified of any issues or non-payments prior to the account being charged off. Furthermore, I have not received any communication or correspondence from XXXX regarding the matter. 

Regarding the collection account with XXXX XXXX, I am not aware of any outstanding debt with XXXX XXXX XXXXXXXX XXXX I have never received any notice or demand for payment, nor have I been contacted by any representatives from the company. 

In light of these discrepancies, I would like to request an investigation into these negative marks on my credit report. I am willing to cooperate with any investigation or provide any additional information or documentation required to clear my name. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

Sincerely, 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 2020-01-25
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Equifax, XXXX  and XXXX  has information on my credit report that does not belong to me, collections from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX and Numerous collection accounts with no Original creditor nor collection company name account numbers # : XXXX, XXXX, XXXX, XXXX on my Equifax report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: EQUIFAX, 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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Here are the list items that needs to be delete in 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
DEAR CAINE & WEINER According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

PLACE FOR COLLECTION : XX/XX/2018 CAINE AND WEINER ACCOUNT # XXXX AMOUNT DUE : {$130.00} SINCERLY, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I disputed 3 collections that was on my credit report. Within that month I decided to buy a house so I called XXXX   and Equifax on XX/XX/19 to stop my disputes. It's been over 3 months and the dispute are still showing up on my credit. It's now XX/XX/19 my score dropped because every time my credit gets pulled for my loan the disputes show up. Today I called the debt collector XXXX XXXX XXXX XXXX  and they told me either pay my debt or submit info about my dispute. I don't want to continue I want to stop any disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX I totaled my XXXX XXXX XXXX and i had GAP Insurance. After GAP payed they left me a balance of {$880.00}. I don't owe this as GAP should have paid this car off.

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 2023-09-01
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:
I have attached an FTC report with fraudulent unauthorized inquiries

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 2019-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I disputed 3 collections that was on my credit report. Within that month I decided to buy a house so I called Transunion and XXXX  on XX/XX/19 to stop my disputes. It's been over 3 months and the dispute are still showing up on my credit. It's now XX/XX/19 my score dropped because every time my credit gets pulled for my loan the disputes show up. Today I called the debt collector XXXX XXXX XXXX XXXX and they told me either pay my debt or submit info about my dispute. I don't want to continue I want to stop any disputes.

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 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone stole my identity and they opened up several accounts using my information and I furnished none of these. Please remove them off my credit report. The items are as below : - XXXX XXXX - XXXX - XXXX XXXX XXXX  XXXX US Dept of Education ( {$1800.00} ) - US Dept of Education ( {$2200.00} ) - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$1200.00} ) - XXXX XXXX XXXX ( {$1200.00} ) - 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 2021-01-31
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
You people are XXXX sick you have nothing better to do than ruin peoples lives and steal identities.

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On Friday, XX/XX/XXXX, I checked my credit report through XXXX XXXX. A new, unpaid student loan had shown up in the amount of {$44000.00}. The origination date shows XX/XX/XXXX. I was not in school at the time. 2 years previously, my husband and I had a loan forgiven for roughly the amount in XXXX for our service in high needs, low income schools as teachers. When I contacted XXXX, they had no record of the loan and could provide no additional information other than there was no loan in the National Student Database attached to me for that balance. It was suggested I call XXXX as the loan may have originated with them. I called both XXXX and XXXX and neither had record of that loan and I can see in both their dashboards that there is no loan for me. I also have logged in to my student aid account with the federal government and there is no loan there. This is a false 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 2022-10-18
Company: EQUIFAX, 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. 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 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 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing in a the following items of information. Any other adverse item of information other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to 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 explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 6028 that states I have the right to privacy.

15 U.S.C 1681 section 604 a section 2 ; it also states, consumer reporting agency can not furnish an account without any written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States no consumer reporting agency, might make any consumer reporting containing any of the following items of information of any other adverse item of information, who it that records or convention of crimes, which attendates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A a person shall not furnish any information relating to a consumer to any consumer agency. If the person knows or has reasonable cost to play, that 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 2023-02-10
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 am writing in response to your letter dated XX/XX/ regarding my complaint about the inaccurate and incomplete information on my credit report for the account listed below : Account Name : XXXX XXXX  Account Number : XXXX I appreciate the efforts made to reinvestigate my complaint, however, I would like to request that you provide me with proof that you actually contacted the data furnisher regarding my dispute. 

As you have mentioned in your letter, the data furnisher has responded and verified that the disputed information was accurate. However, I would like to request a copy of this verification to ensure that the information is indeed accurate and that it was not a mistake. 

I also remind you that, under the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is obligated to conduct a reasonable investigation of the dispute, which includes verifying the accuracy of the information with the data furnisher. Moreover, if it is found that the information is inaccurate, the FCRA requires the credit reporting agency to promptly update the information in accordance with the results of the reinvestigation. 

Given the provisions of the FCRA, I expect that you will have no choice but to update my payment history to current and my status to paid as agreed and never late. 

Thank you for your time and consideration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: BAM Management US Holdings Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
This is a XXXX involving stolen identity and financial theft - amount not fully determined yet because we can not get a response from Binance about whether my funds were stolen. Binance has been incredibly unresponsive. Details/chronological summary 1. XXXX XXXX card theft- on XX/XX/2021, about XXXX, XXXX  assisted a hacker to take control of my XXXX card and disable my phone. The hacker then proceeded to make password changes on my email and several of my XXXX currency accounts, including Binance I attempted to use my phone but was frozen out because of the XXXX  swap. I borrowed my parent 's phone and contacted XXXX to get back control of phone. We suspect possible inside job at XXXX since I was later told that their internal notes said it was unauthorized user who called in the change of my XXXX card. We have tried numerous times, but have been completely unsuccessful trying to get hold of XXXX 's fraud department and they have not pursued any investigation to my knowledge. 2. Binance- I have tried everything to follow up and resolve the issue with Binance . I have attempted to do everything they said in their robot responses to no avail. After almost three months of filing support tickets and requests to find out whether the funds in my account have been stolen, I still have not received a response. Binance support tickets continuosly say they have blocked the account, without telling me if there are any funds remaining. I have no clarity from XXXX that my approximately {$90000.00} of investment in XXXX is still there, nor do I have any reason to believe the account is secured or frozen. 3. On XX/XX/XXXX, I called in a police report immediately after the attack but have not been able to get a copy of the police report online. 4. XXXX On XX/XX/2021, I submitted a fraud claim to the FBI XXXX XXXX unit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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