BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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/2019 I noticed that my score was not updated on TransUnion and that my credit card usage did not reflect the true amount I put in a credit dispute clearly a stating that I needed the correct amount UPDATED TransUnion deletes a active reporting from my account and will not re-insert the credit file it dropped my score 41 points and its no longer showing on my credit report I called the bank because TransUnion says they deleted it and the bank has no clue what Im talking about but the other 2 credit bureaus are still reporting it I need it put back 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 2021-06-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

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 Equifax 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 response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX and TransUnion to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX XXXX XXXX {$2300.00}.

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 2019-11-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting to remove XXXX XXXX account which was opened as a fraud. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2019-11-11
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
American Express, Sent me a letter informing me of the incorrect Credit Limit that was applied to my account. In the letter American Express indicated that the increase was due to a system error. This have completely decimated my trust in one of the most established and reputable creditors in the world. A creditor to which I am an investor and holder  of your common stock. This error on American Expresses part has burden me with financial damages. As with this oversight they have Defrauded me.

With the increase in Credit Limit it allowed for my Credit Score and my Credit Limit to increase. Giving me more access to spending without negatively impacting my credit ratio. This higher credit limit provided me false confidence when making large purchases as it would still show that I had thousands of dollars of Available Credit. This decrease in my credit limit is going to impact my credit score and toughen my chances of obtaining access to different lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: CFW Holdings LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
This is my second complaint about this company. I understand that as a consumer its my responsibility to manage my debt however when i took this loan i took it with good faith that I was going to be able to pay it since I had a full time job. That wasnt the case, I ended up losing my job as my XXXX  got bought out and they downsized my department. I fell in to default and thats when the harassment begin and continues to this day. 

Ive been getting calls, emails AND even texts messages stating that I will be taken to court for this loan, I am in the state of Texas and that is highly illegal. Ive tried to work with them to settle this debt but life has happened and working part time and trying to stay a float is tough. However today I called in because on a holiday, CFW left me a threatening voicemail AND a text message saying I was going to be taken to court. I spoke with XXXX and it was the worst experience Ive had. She started threatening over the phone stating I wasnt helping my case because i didnt want to give her a set date as to when I would be able to pay the loan. Thats when all broke loose and she started telling me based on my pay dates she was going to set it up for XXXX and forcing me to agree to something. 

I was essentially forced in to an agreement just so I could get off the phone and stop her from suing me. 

Unacceptable

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I asked Equifax and XXXX  for a investigation for XXXX  XXXX XXXX  XXXX and they stated that they investigated and everything was accurate that is Incorrect an i was not given any information showing how they came up with this information. I was not given a signed contract with my name and XXXX XXXX and that is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Capital Accounts, LLC
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:
I received a notice from XXXX XXXX that their had been an entry on my credit report. I looked at my credit report at XXXX and found a report from Capital Accounts on a supposedly account i have with XXXX XXXX in North Carolina. I contacted Capital Accounts and spoke with a lady by the name of XXXX. I gave her all my information and reported I have not been to a dentist since XXXX. I then called the Dentist and spoke with several people and finally got to speak to a lady in the billing department. I went over all information and she reported she did n't know how that collection agency got my information or my social security number. She report this should be under my sons name which is the same but he is a Jr. She reported she will notify Capital Accounts to have it corrected. I filed a dispute within XXXX and the final report has not been changed. Its amazing how in our society a company can get your information and file any report and the credit bureaus do little to nothing to get it corrected. Does this not fall into the classification of identity theft on both the collection agency and the credit bureaus?

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 2023-05-31
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:
I've been disputing this collection account that appears on my credit report but the bureaus keep saying the account has been verified but never have sent me anything to prove it.

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 2018-08-29
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: Account information incorrect

Complaint:
Experian is reporting that I have a balance on an account. There is no balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Upon reviewing my credit report, I was absolutely shocked to see 2 late payments on XX/XX/XXXX and XX/XX/2017. I'm not quite sure how this happened. I am always on top of my payments. It seems that either it got lost in the mail or for some reason the payment didn't go through and wasn't processed.

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 2022-03-21
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: Account status incorrect

Complaint:
It shows my account is delinquent but it is up to date. 
I have paid everything on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: Experian Information Solutions Inc.
State: IL
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:
XX/XX/2018 {$10.00} Sent a certified letter to dispute to Experian. 
XX/XX/2018 {$10.00} Sent a certified letter to dispute to Experian.

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 2023-05-31
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2019-11-11
Company: Rocket Mortgage, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX, PA XXXX I went on the site XXXX to get my free credit repot. It asked random question to see what type of loans I may apply for in the future I clicked mortgage but I didn't know it would trigger massive banks to contact me. ( I called numerous times via telephone. I told the aggressive sales/loan associate XXXX ( quicken loans ) DO NOT RUN MY CREDIT on a recorded line on XX/XX/2019 at XXXX XXXX ). I answered the phone it was XXXX from quicken loans. He was very aggressive my score was XXXX he was very pushy I told him I can not talk at this present moment he said I just want to verify its you I told him I DO NOT want my credit pulled. I don't want any hard inquiries.. I also told him I can not talk right now because I was busy. He was Very pushy .... He said ok " I just want to verify it is you '' He Said what is your SSN I only want to verify its you. I gave him my SSN not knowing he was going to pull my credit. I hung up because I was working. 2 minutes later he ran my credit I called back and I asked him why did you do that. He said your credit is great we got great rates for you. I told him Im not interested. He said can we talk later..I immediately on that day wrote a letter to quicken loan and they replied and said they will not remove the inquiry. I wrote them again on XX/XX/2019 set it certified mail. Thy said they will not remove the inquiry and I just wrote them a 3rd letter on XX/XX/2019 they called me and told me they will not remove the inquiry. I only want them to remove the inquiry because I told XXXX not to run my credit in the first place. The Creditor is { XXXX / QUICKEN LOANS, } XXXX XXXX XXXX XXXX, MI XXXX that I'm having the problem with. Please advise me or help me resolve this issue XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX. 
XXXX, PA. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 reporting Transunion customer service department they did not help remove the negative inquiries that are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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: Personal information incorrect

Complaint:
1. The following personal information is incorrect
    
        Previous Address(es)XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

2. The following personal information is incorrect
    
        Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

3. The following personal information is incorrect
    
        Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
4. The following personal information is incorrect
    
        Employers: NOT PROVIDED

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 2020-02-01
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of identity theft there has been several accounts placed under my name without my consent or knowledge. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
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: Information belongs to someone else

Complaint:
The credit bureau is still reporting these inaccuracies on my account, I have asked them to block and remove according to the Fair Credit reporting Act.

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 2022-03-21
Company: Experian Information Solutions Inc.
State: IN
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2019-06-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The following multiple entries on student loans were reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA.. Credit Bureaus could not even give me concrete explanation as to why thy wont delete it.. Please step up CFPB and delete XXXX XXXX, DEPT OF ED/XXXX

Company response to consumer: Closed with non-monetary relief