BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX reported a collection to the 3 credit bureaus. I am not sure that collection is mine, however I did pay the collection and have attached a receipt showing it was paid on XXXX. The collection company told me ( See attached letter ) that they will remove the collection off of my credit report. As of today, the collection not only shows on my credit report, but also still shows the balance as not paid ( See attached paperwork ). This should have been removed and updated as paid but still has not been done. I have contacted XXXX about this and they stated I need to have the credit bureaus remove this.

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 2023-10-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian, You have been telling lies for the past year. You all never conducted real investigations as required by Federal Consumer Protection Law. You all willfully chose to not comply with the laws and will be held accountable. This is your final warning and last opportunity to comply before you are forced to do so by the courts. I have copy of XXXX doing a proper investigation, disclosing that they used XXXX and confirming that XXXX XXXX reports that there is NO bankruptcy. They deleted it as you should do! I have attached the response from XXXX XXXX also where they clearly state that there is no Bankruptcy! Stop lying saying that you can not verifiy with XXXX XXXX or that this record is verified. Its clear to everyone that you all are choosing to ignore laws and keep this on my credit file to further abuse and harm me. Its wrong and will not go on any further. Notice There are no accounts on my credit file that say included in bankruptcy nor is the address listed on the false bankruptcy record listed on my credit files nor is it in XXXX XXXX! Lastly, I have attached a record from the supposed Law Firm on the record and they confirm that I am NOT their client after verifying my photo, and speaking with me live. All of this proves that There is no valid bankruptcy for me and that you all are deliberately being unfair and unreasonable to me. You have no legitimate reason to keep this on my credit file. You all usually follow, XXXX, so I expect you to follow their right example now and delete this file forever. If this is not deleted in a timely manner expect legal issues. I will seek damages of loss of wages, unrealized gains, emotional anguish, damage to my health, and defamation of character. You are required to delete this record now, so please just comply! You all are wrong. Make the change and move on.

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 2023-06-30
Company: EQUIFAX, INC.
State: GA
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.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: MCS CLAIMS SERVICES, INC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a letter from MCS Claim Services ( see attached if possible ). I called to see why insurance didnt resolve this. They were being very rough with me on the phone so I calmly asked them to calm down and they slammed the phone on me. I believe that this claim wasn't correctly processed through both my primary and secondary insurances. I would gladly pay any balance after I have received written confirmation that both insurances processed the claim. The reference # from the Claim Service is XXXX. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
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:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02
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 have been trying to fix my credit and realize that the Equifax credit reporting has my name mispelled. It has been ongoing problem and now I am getting a ton of mail with the mispelled name send to my address. 
It was brought to my attention while applying for a home loan with my local bank, on XX/XX/2019 
The correct spelling of my name is XXXX, not XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
When I saw the promotion of American express XXXX Credit card welcome offer of XXXX bonus points, I applied for it online. I Paid {$690.00} and spent more than {$6000.00} as required by welcome offer conditions. 
When I did not see the points after meeting above conditions, I called the company customer service and they told me that during the application there was a pop-up that told me that I am not qualified for the bonus points and I have agreed to that. I ask for the proof of that agreement and they told me that I have to subpoena that proof. 
On XX/XX/2023, I wrote to their management in XXXX XXXX XXXX and after few days they called me and told the same. 
Their offer terms clearly states, " If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application ''. They are saying that the pop-up during the application is the notification. 
I NEVER SO THAT POP-UP DURING THE APPLICATION AND I NEVER AGREED THAT IS IT OK TO ACCEPT MY APPLICATION WTHOUT A WELCOME OFFER. AND I THINK POP-UP CANOT BE CINSTRUDE AS A NOTIFICATION. 
I requested proof/copy of that notification ( pop-up ) and they refused to provide it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: CO
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.

The letters are stated with items and issues.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: EQUIFAX, INC.
State: NC
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 have identified information on my consumer reports that are a result of identity theft, these items are not related to any transactions completed by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20
Company: Experian Information Solutions Inc.
State: NJ
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 my rights have been violated as a consumer Pursuant to USC 15 1681a

( 1 ) Congress makes it clear that the banking system is dependent on accurate and fair consumer file reporting. My file is in fact not accurate nor fair. Without consulting with me first, your company received false information from alleged creditors and debt collectors and furnished my consumer report before confirming if such information is valid. This is indeed unfair credit reporting.

It is the purpose of the subchapter USC! 5 1681 ( a ) ( b ) that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit in which a manor that is fair and equitable to the consumer. This information is not relevant, fair, or accurate and was improperly used. There were no reasonable procedures meet I wasnt even contacted about this manner.

In addition based upon USC 15 1681 ( c ) ( 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 no later than 4 business days after the date of receipt. It has been beyond 30 days and I would like this false information removed because it is inaccurate and causing financial damages. 

This does not comply with the subchapters of the FCRA ( Fair Credit Reporting Act ) and if you do not remove these inaccurate accounts I will have my information removed from your database and no longer do business with any financial institutions that uses your company to receive my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have been contacting the bureaus and XXXX XXXX because they have been reporting a car that i do not own on my credit reports. I have disputed this unverifiable debt. They have NOTHING with MY signature on it to verify this account is mine. They ca NOT verify this account and needs to be DELETED from my credit bureaus. The credit bueraus are simply updating the information and NOT deleting this account from my report. They have sent me no proof of verification which i am entitled to. they are NOT disputing properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
This is the second year Synchrony Bank has automatically switched people to online statements UNLESS you reply to an email. Online statements should ONLY be done at the request rather than forcing customers to opt of online statements and opt in to printed statements. 

This can cause late fees, missed payments and damage to credit histories. It is misleading.

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 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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  Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2022-09-21
Company: Experian Information Solutions Inc.
State: NJ
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:
I did not authorize the credit inquiries from XXXX XXXX XXXX, XXXX, nor XXXX. 

XXXX XXXX XXXX XXXX XXXX, 2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02
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 writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA 's. On XX/XX/2019, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
To whom it may Concern, Your company is in clear violation of Federal Law. According to 15 U.S.C 1681a ( d ) ( 2 ) ( i ) A consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. My consumer report containing credit Utilization and a credit balance are transactions and experiences. Delete the credit Utilization and a credit balance from the follow accounts immediately. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX Failure to do so within 10 days will result in me seeking relief to be granted in my favor against your company and damages sustained by me in the amount of {$10000.00}.

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 2018-01-12
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
ON XX/XX/XXXX I WENT TO ATM MACHINE AT PNC BANK ON XXXX XXXX, XXXX, OH. I ONLY HAD A TOTAL OF XXXX IN THERE, OF WHICH I WITHDREW XXXX LEAVING ME A BALANCE OF XXXX. I DISCOVERED TWO HOURS LATER TWO TRANSACTIONS FRO XXXX TOTAL XXXX WERE REFLECTING ON MY PNC CHECKING ACCOUNT. THIS IS IMPOSSIBLE, I HAVE A RECEIPT SHOWING WHAT WAS DISPENSED, AND THAT ONLY ONE TRANSACTION WAS MADE. THE MACHINE HAS CAMERAS, THE BANK HAS THEM AS WELL, AND NO ATM MACHINE IS GOING TO DISPENSE XXXX TO A PERSON WITH ONLY XXXX IN THERE. THEY REFUSE TO LOOK AT THIS, REFUSE TO FIX THIS, INSTEAD TELL ME I WILL BE PUNISHED FOR THIS AS IT CANT BE DISPUTED FOR 14 DAYS, AND IN THE MEAN TIME I WILL ACCURE NSF FEES DAILY, AND MY FUTURE DIRECT DEPOSITS WILL BE TAKEN AND APPLIED TO THE DUAL WITHDRAW THAT NEVER HAPPENED. THE SECOND TRANSACTION HAPPENED PER PNC 12 SECONDS AFTER THE FIRST ONE. I AM LIVID, I HAVE BILLS TO PAY, I AM NOT PAYING FOR SOMETHING THAT NEVER HAPPENED! I DEMAND MY ACCOUNT FIXED APPROPRIATELY, AND MY CREDIT I HAVE OF XXXX TO GO BACK TO MY ACCOUNT RIGHT AWAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act 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 2018-03-08
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Original creditor : XXXX XXXX XXXX : XXXX XXXX I had a XXXX account in XX/XX/XXXXwith a credit limit of {$200.00}. The account was used to buy one item, then paid in full and closed by XXXX ( due to extended inactivity ). There is no balance or debt owed whatsoever. 

In XX/XX/XXXX, I ran my credit and found out that XXXX has reported my account as paid and closed. This is all reported correctly on my credit report. 

At the same time ( XX/XX/XXXX ) I also found that XXXX has reported the same account as owing {$580.00}. My original credit limit was only {$200.00} and already reported as paid in full and closed. I, in NO way owe XXXX ANY money, let alone a random amount of {$580.00}. 

I called XXXX 3 times ( XX/XX/XXXX ) and was told every time I called that they will not provide anything to me regarding the collection debt, where it came from, what it is for etc. The also verified that the account I did have is paid in full and closed. They said I had to contact the collection agency ( XXXX XXXX ) to obtain proof of debt. I have called XXXX XXXX, at the same time I contacted XXXX ( XXXX XXXX XXXX XXXX ) and was told that they will not provide anything in writing to me regarding proof of debt. They did however say if I paid the debt in full, or settled the debt with them, they would send a letter saying the debt was satisfied. 

I can not get any assistance in this matter. Neither company will send me proof of any debt they reported I owe, nor will they acknowledge the fact that the same account is claimed twice on my credit report ( One reported as paid/closed and the other is closed/owe {$580.00} ). I want this taken off my report and/or proof of debt sent to me detailing what/where/how this balance is {$580.00}. I also need full account numbers as I have proof of paid in full account.

Company response to consumer: Closed with explanation