BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 : They replied to my complaint, but they failed to comment on my co-signer 's XXXX XXXX bankruptcy that last until XX/XX/2023. All other loans have not marked my accounts derogatory because of my co-signer 's XXXX XXXX. XXXX has also refused to talk to me over the period of several years. I'd like some kind of record of my calls, and refusal to allow me to speak to anyone about this. 

All other private companies have suspended payments until XX/XX/2023. They are not mentioning this and they have refused to speak with me over YEARS. 

I want their charge off removed from my account- they are criminal anyway, hence so many people getting their debt forgiven. 

I want a record of my calls, and I want them to address the XXXX XXXXXXXX of my co-signer, and explanation over why " they weren't allowed to speak to me '' over YEARS, and now this mark on my credit score. they are predators.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
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:
The Credit bureaus stated my account was properly investigated but how is that possible if the Account Number is inaccurate, Highest Balance is inaccurate, Last Verified is inaccurate, Date of Last Activity is inaccurate, Date Reported is inaccurate, Date Opened is inaccurate, Balance owed is inaccurate, Payment Amount is inaccurate, Last Payment is inaccurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified tracking ; COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my 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 2018-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a validation letter to Transunion on XX/XX/2018. My investigation was open the next day. I called and verified with an agent. The results were completed in mailed to me. I received them on Saturday, XX/XX/2018 in the mail. The following items were not validated, but instead " verified as accurate. '' Now I have to resubmit another letter and wait yet another 30 days for validation of the said debts? Please assist, as Transunion is not following the law. The debts are below : -XXXX XXXX -XXXX -XXXX XXXX XXXX XXXX XXXX XXXX -XXXX   XXXX XXXX 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 explanation
Consumer complaint received 2022-09-26
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 have noticed many incorrect and unauthorized items appeared in my 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 2018-04-15
Company: DISCOVER BANK
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft. My office was broken into and several identity documents were stolen. The following inquiry showed up on my credit report and was not authorized by me and was made without my knowledge or consent. I have attached a copy of the police report. 

Discover Bank Date : XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: EQUIFAX, 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:
Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a significant error in my credit reports provided by XXXX, Equifax, and XXXX. It has come to my attention that a collection account associated with my personal credit history is being reported mistakenly. I kindly request the Consumer Financial Protection Bureau 's intervention in rectifying this issue by ensuring the immediate removal of the said collection account from all three credit reporting agencies. 

Account Details : Creditor : XXXX - XXXX Service Date Opened : XX/XX/2020 Balance : {$0.00} Account Number : XXXX To provide some context, the account in question is a business credit card that is directly associated with a common business of which I am one of the owners. This account, however, should not be reported on my personal credit history as it is solely related to our business operations. According to the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws, it is crucial that credit reporting agencies accurately reflect an individual 's creditworthiness and financial history. 

Under the FCRA, consumers have the right to dispute inaccurate or erroneous information contained in their credit reports. Section 611 ( a ) ( 1 ) ( A ) of the FCRA states that credit reporting agencies must promptly investigate and modify or delete any information found to be inaccurate, incomplete, or unverifiable. In light of this provision, I kindly request your assistance in ensuring the correction of this misreported collection account, as it is unjustly affecting my personal credit history and potentially impeding my ability to secure future credit or loans. 

I have already taken the necessary steps to dispute this error directly with XXXX, Equifax, and XXXX. However, despite my efforts, the collection account remains on my credit reports. This situation has prompted me to seek the intervention of the Consumer Financial Protection Bureau to help resolve this matter promptly and ensure that my personal credit history accurately represents my creditworthiness and financial standing. 

I trust in the expertise and dedication of the Consumer Financial Protection Bureau to uphold consumer rights and ensure fair and accurate credit reporting. Your intervention and assistance in this matter would be greatly appreciated, as it will enable me to rectify this unjust reporting error and preserve the integrity of my personal credit history. 

Thank you for your prompt attention to this matter. I look forward to a favorable resolution and the removal of the mistakenly reported collection account from XXXX, Equifax, and XXXX credit reports. Please do not hesitate to contact me if you require any additional information or documentation to expedite the investigation process. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01
Company: Paypal Holdings, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, XXXX I received email from Paypal that they are debiting ( charging ) my account because I received duplicate credit for following transaction Dispute Case ID XXXX Transaction Amount {$310.00} USD Dispute Amount {$310.00} USD Transaction ID XXXX Transaction Date XX/XX/XXXX Also for same reason Paypal Credit ( XXXX  XXXX  ) charged me {$300.00} on XXXX XXXX, XXXX For last two weeks I have made several calls and sent several notifications to Paypal about this issue and seems like no one is willing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions 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 account listed below 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. 

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 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 2019-01-29
Company: AFNI INC.
State: NY
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:
inquiries : XXXX -date FRAUDULENT ACCOUNTS ; -XXXX XXXX   XXXX -DATE XX/XX/XXXX -AMOUNT XXXX ACCOUNT #? 
-XXXX  XXXX XXXX XXXX -DATE OPENED XX/XX/XXXX -AMOUNT {$340.00} -ACCOUNT -- AFNI ( ORIGINAL CREDITOR IS XXXX XXXX AMOUNT {$850.00} -ACCOUNT #?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2019 I executed a transaction to sender {$140.00} to my son XXXX XXXX in XXXX. The total cost of the transaction was {$150.00}. When my son attempted to pick up the money, he was informed that the funds had been returned. ( We were subsequently informed that my son has been barred from receiving funds for reasons that have yet to be explained ) The transaction was sent under Tracking No. XXXX I returned to the XXXX XXXX XXXX # XXXX where the transaction originated.The agent called Western Union for information on the refund. He was given a refund no. XXXX and instructed me to check in 3 hours. I checked with Western Union later that day and the following day being informed that the funds were not yet available. Two days later, I went back to the agent at XXXX and who spent 30 minutes on the phone with Western Union - he was told the refunds had been issued in Colorado and that they would have to do an internal investigation. The matter has been given a case no. XXXX. 

Repeated calls to Western Union have failed to result in any significant action. In the two weeks since this occurrence, I have received no communications from Western Union explaining their actions or indicated when or if I would received the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2018-05-03
Company: CITIBANK, N.A.
State: FL
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:
on XX/XX/2018 i got notification of a credit inquiry from a company named XXXX/XXXX i never heard of them or have I done any business with them.

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 2019-08-22
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The Statute of Limitations for this Debt Expired in XX/XX/2019. I have asked NCB Management to stop contacting me but they still continue to contact me on a debt that is no longer owed. 

The company is in violation of the Federal Debt Collection Practices Act, The Texas Debt Collection Act and The Texas Civil Practice & Remedies Code ( Section 16.004 ( a ) ( 3 ) ), which states that the statute of Limitations is 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I sent transunion certified mail ( tracking # XXXX ) they received the mail XX/XX/XXXX. The mail consisted of a notarized letter from myself that I am aware that I am being violated pursuant to 15 us code 1681b any reporting agency may only furnish a consumer report with written permission of the consumer and that I never gave them permission to report my information. I sent them a cease & desist notice demanding that they remove all collections, charge offs, negative remarks late payments and clear all my balances to PAID in FULL. I also sent an affidavit of truth and a demand that I am paid {$1000.00} for EACH violation. Transunion received my disputes XX/XX/XXXX and sent back the return receipt XX/XX/XXXX but has not responded to my demands, paid me for my violations, or made any corrections and or changes to my credit report which is a violation of my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: EQUIFAX, INC.
State: MI
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 MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME. ALSO WRONG NAMES AND ADDRESSES THAT NEED TO BE DELETED, AND EMPLOYERS THAT ARE WRONG THAT NEED TO BE DELETED. A LETTER OF EXPLANATION IS ENCLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: EQUIFAX, INC.
State: WA
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 a complaint against XXXX. I already disputed an account from them before, under the name XXXX XXXX XXXX with account number XXXX and it was deleted from my credit reports under Equifax XXXX XXXX. However, an account with the same account number XXXX but with the name is now only showing up as XXXX, re-appeared in my reports and reporting negative under Equifax XXXX XXXX. I want this to be removed as it is very illegal to add on removed fraudulent accounts. Moreover, I have requested multiple times for verification of this account and send out dispute/demand letters on the following dates, as well as filing disputes to the credit bureaus : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance or obtain new lines of credit. I've been requesting for validation but had no responses. Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified & they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. I feel I'm being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
My credit shows a car loan that is in repossession status. I previously spoke to XXXX explaining that the car wasnt mines and I was a victim of identity theft. I received a letter in the mail once the car was successfully recovered and the car was sold & the remaining balance was satisfied, As of XX/XX/2022. Ive be disputing this multiple times through XXXX XXXX and Im not sure if thats the issue or what. Im unable to actually do anything for myself because somebody took advantage of my credit before I ever had a chance to and I still have no idea how! XXXX shows my SSN is on the dark web so Im not sure if thats how or what but this is completely ridiculous! I just want to be able to actually obtain something with my credit for myself and take advantage of credit so it can be used in the proper manner! I have a repossession and so many late payments its a crying shame for things Ive never had or seen a day in my life!

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 2023-02-18
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was not contacted in any way by this company and I suddenly have several collections with inaccuracies and missed payments when I never made any kind of contract with them or agreement. I never had a chance to dispute any of these or have any right to respond before they just reported inaccurate information without any kind of notice or speaking to me. Now they are reporting missed payments when I never had a contract with them to make said missed payments. My rights were violated several times. I shouldnt be liable to this collection agency when they stripped my right to dispute and validate the debts. They did not follow the law or rules and they reported inaccurate information. Now my credit has been damaged and continues to be damaged.

Company response to consumer: Closed with non-monetary relief