BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-16
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:
XXXX XXXX, XXXX  leaked my personal information as well as the information of over 143 million Americans. This situation has affected me mentally as well as damaged my overall credit score and credit health. The three major credit bureaus Transunion, XXXX, and XXXX  are now reporting accounts to my credit file that are a direct result of Identity theft. Credit reporting laws ensure that bureaus report only 100 % accurate credit information, and every step must be taken to assure the information reported is completely accurate and correct. 

I have requested debt validation ( I have kept proof of this request, which I plan to use this information in court ) I have yet received any information in over 90 days. The Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ) requires you to respond and validate any listed on a consumer 's credit file within 30 days, your company has not done so. I am distressed that this account is currently being reported to my credit file. While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. I will bring this information forth to a judge in my area, if these accounts are not removed from my credit file. 

The Fair Credit Reporting Act requires you to remove this account from my credit report as soon as possible. My lawyer has taken the steps necessary in order to bring this information forth to a judge in my area if this account is not removed from my credit file 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 explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 2nd complaint that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. This account is unknown to me and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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 2023-06-08
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXXXXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$120000.00}

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 2022-05-21
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 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 instructi
ons

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: ID Analytics, Inc.
State: OH
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 was looking over my credit file and I found out that I have a few fraudulent accounts reporting the I never opened up. My full name and current address are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX DOB XX/XX/XXXX SS XXXX XXXX The following SS # is not mine XXXX please delete it! The following addresses are not my I do not live at the following : XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , KY XXXX XXXX XXXX XXXX XXXX , KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , KY XXXX XXXX XXXX   XXXX XXXX XXXX XXXX , KY XXXX I am currently XXXX  XXXX. Please remove the following employers : XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: CITIBANK, N.A.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I never had a delinquent record on my credit report ever. But this morning, I received an alert from my credit monitoring about a change on my credit score. For my surprise, I went online and saw a Delinquency recorded on my credit report form Home Depot/CBNA credit card ( XXXX ) .So I called the company to find out what was that about and they told me that I had a {$1200.00} past due for 37 days + fee = total of {$1400.00}, which I paid immediately. But my main issue is that they reported the delinquency for a bill/statement that I never received at home. They never called me about a past due amount or sent me a past due email/mail. I know they have the right address in their system but since the pandemic, I am having lots of issue with my mails. Where I live there are two streets with similar names, XXXX XXXX and XXXX XXXX XXXX, and sometimes I got mails from people living on XXXX XXXX, which I always leave a note for the mailman saying that it was delivered to the wrong address, and multiple times the same thing happened with my packages being delivered to their address by mistake. Not even mentioning that sometimes my mails are on my door steps instead of inside my mailbox. I am so upset because I never missed a payment in my life, and I begged them to clear this record from my credit report since it wasn't my fault. What hurts the most is the fact that I am about to apply for a mortgage loan, but this DELINQUENT Report will probably make my mortgage approval so much harder. I already file a Dispute with the 3 Credit Bureaus..

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX1 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
Consumer complaint received 2020-04-23
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Due to the COVID-19 pandemic, my household is affected greatly financially. I have contacted my other credit card, American Express, and they were able to offer deferment and help. I contacted my XXXX XXXX VISA which is sponsored by US Bank and they will not offer any kind of help or deferment. 
I have perfect credit and they will be reporting me and therefore causing bad credit for 7 years. I have spent 4 times speaking to different representatives And supervisors and no one is able to help me. 

There has to be a mandatory relief, deferment, hold due to my financial decline due to this pandemic. 

Please help.

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 2020-07-16
Company: HW Holding, 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:
Hunter Warfield, XXXX  leaked my personal information as well as the information of over 143 million Americans. This situation has affected me mentally as well as damaged my overall credit score and  credit health. The three major credit bureaus XXXX, XXXX, and XXXX  are now reporting accounts to my credit file that are a direct result of Identity theft. Credit reporting laws ensure that bureaus report only 100 % accurate credit information, and every step must be taken to assure the information reported is completely accurate and correct. 

I have requested debt validation ( I have kept proof of this request, which I plan to use this information in court ) I have yet received any information in over 90 days. The Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ) requires you to respond and validate any listed on a consumer 's  credit file within 30 days, your company has not done so. I am distressed that this account is currently being reported to my credit file. While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. I will bring this information forth to a judge in my area, if these accounts are not removed from my credit file. 

The Fair Credit Reporting Act requires you to remove this account from my credit report as soon as possible. My lawyer has taken the steps necessary in order to bring this information forth to a judge in my area if this account is not removed from my credit file 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 explanation
Consumer complaint received 2017-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I never completed a XXXX XXXX bankruptcy, and there 's no reason it should even be on my credit report. I was told this would never show because it was dismissed and never filed due to the fact that I did n't have the most recent Tax Return to complete the process so it was dismissed. This should be removed immediately.

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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with a fraudulent account and unauthorized fraudulent 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 2020-07-16
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Santander Car Loan ; Today I pulled an XXXX  report today and I had two deliquated months on a car loan. My car loan payment where being return. I never received any information letter email on whom the new car loan carrier was. The only way I found out that who took over my car loan was that I pulled a report from XXXX. 

I need a welcome letter an account number, the normal things that happen when some assume a loan. 


XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
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:
Hello, In XXXX a false negative report was recorded in the trans unions system. This negative report was received by my XXXX  card and my XXXX card. My XXXX  card noted it in my monthly fico score but took no action and my XXXX card sent me a letter notifying me of a reduction in my credit limit. I contacted trans union on XX/XX/XXXX and rep indicated that there was no record of any negative report on my credit. My complaint is against trans union as the False negative report only could have came from them, as 2 separate credit cards noted a negative report and both get their information from transunion. It is deeply concerning to me as there seems to be no record of where this false report came from. For an entity ( transunion ) responsible for such valuable information these sorts of mistakes need to be taken seriously and investigated through.

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: OR
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 ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: EOS Holdings, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Roughly 7 years ago I changed my cable service from XXXX XXXX to another providor, We returned the equipment and had no charges against us. XXXX XXXX  reported us on our credit report and I contacted them with proof that we sent their equipment back. XXXX XXXX removed the delinquint account from our report, Now, EOS CCA Has reported the debt to my credit report and the discription says the original creaditor is XXXX XXXX. I disputed this entry and it was not removed from my credit report, The ammount they are trying to collect is {$350.00}. I have no idea how to get this off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Credit Corp Solutions Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Today XX/XX/2023 I was contact by a young lady at credit corp solutions. He woke me up at a little after XXXX XXXX. They immediately went into their debt spew and how I was to pay. I asked for a validation of debt and they agreed to send it in email. Once they said it was sent I never received said email to both my inbox or spam. I told him once I get the validation of debt and I can confirm the debt I would call him back ( same day ). I also explained to him that I was trying to wake up still and he wouldnt take no for an answer. He kept telling me no I was stay on the phone and go over the debt with him. He continued saying no I was to stay on the phone with him no less than 15 times. Once I finally told him I was just going to get off the phone he told me he would contact my place of employment ( no longer where I work ). So I kept looking for the email and finally he hung up and immediately called me back. I stayed quiet and he said ok we will contact your place of employment. Then I hung up on him. He immediately called me back and said fine I will call your place of employment. 
I have included a screenshot of the amount of times they have called. The first is a spoofed number of theres then the actual numbers belonging to them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Hello, My name is XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft and I did not make the charge. I am trying to get a new card and these items reported wont get me approved. I am asking the items be deleted to correct my report. I have reported the theft of my identity to the Federal Trade Commission and I also have enclosed a copy of the Federal Tade Commissions Identity Theft Affidavits. Please delete the items 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 2021-10-25
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:
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 I'm 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 promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 company posted a hard inquiry that doesnt belong to me. I didnt inquire.

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 2023-05-24
Company: EQUIFAX, 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: Investigation took more than 30 days

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

Company response to consumer: Closed with explanation