BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
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: Old information reappears or never goes away

Complaint:
Collection debt disputed and removed via XXXX, shows up on Transunion still months later

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 2018-11-27
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never had an account with XXXX. This is the third, third party debt collector that has tried to collect on this account. The other 2 have been removed from my credit file, but XXXX doesn't report it in their name, so while I get the third party debt collectors removed XXXX keeps reselling the account. It is an unfair practice to keep selling the debt to a third party after I have it removed from my name. WAYRESGRP is the new third party debt collector. They failed to send me my notification of right to dispute. When calling WAYRESGRP they don't not handle disputes directly they send the customer to XXXX XXXX  fraud department. XXXXXXXX XXXX is not the company that is negatively effecting my credit. I have a right to dispute with the party that is reporting to the credit file. This is another violation of my rights as a consumer. This account must be removed as my identity was not verified when they opened the account, and the have violated my rights as a consumer.

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 2018-05-10
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : CHASE CARD Inquiry Date XX/XX/XXXX2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-19
Company: Experian Information Solutions Inc.
State: CO
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:
Experian is reporting a XXXX account that was closed in XXXX as a Charge Off. I sent them the letter from creditor stating that my acct was closed in XXXX and the monthly payment due and made. After more then 30 days from dispute to correct they didnt update the correct acct status or payments made and are still reporting it incorrectly.

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: DE
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:
I have a few fraudulent accounts appearing on my credit report. 


1. XXXX XXXX XXXX XXXX {$470.00} 2. XXXX XXXX XXXX {$28000.00} 3. XXXX XXXX {$7800.00} 4. XXXX XXXX {$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 2020-12-04
Company: Netspend Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/2020 I received a debit card from a company by the name of NetSpend which I did not ask. 

The company " NetSpend '' sent me the card to activate stating I asked for it when in actuality I DID NOT! I never asked for this card and the fact that anyone could have intercepted, or stolen my mail, could have activated this is unbelievable. They should never had issued this card. 

Secondarily, there is no way to cancel the card or get ahold of the company as the only options available on their documentation ( XXXX ) does not give a phone tree option to speak with a customer service rep without giving the full card number or your personal SSN which I will NOT do over the phone in fear of security issues or the firm activating the card when this is not desired. 

The firm 's address on the documentation given was XXXX. XXXX XXXX, XXXX, TX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 8. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
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: Information belongs to someone else

Complaint:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. I have attached the necessary documents to support my claim.

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 2019-08-29
Company: EQUIFAX, INC.
State: DC
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:
XXXX and Equifax both are illegally adding and reporting false information from credit companies that I never signed any contract with and have absolutely no dealings with in general. No legal contract can be produced for XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, or XXXX XXXX XXXX. In Addition no data was furnished or producible to validate any legal contract binding to agencies acting on behalf of other companies therefore no legal contract is made! Erase these items from my credit and reprimand the reporting agencies for continually and knowingly adding these false entries after deletion!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX   opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 8. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-07-18
Company: The CBE Group, 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:
This collection has been reported against me by CBE Group -Former on behalf of XXXX XXXX XXXX This reported collection is incorrect. First, I have never been a customer of XXXX XXXX. Second, the report shows an opening date for this collection shows as XX/XX/XXXX and makes a comment that it was affected by a natural disaster. I am not sure what that means, but I have requested documentation to prove this is my debt since it was first reported by CBE in XXXX. I disputed this account in XX/XX/XXXX, requesting account documents to prove it mine. Those were never received. 

The account was transferred to XXXX XXXX XXXX  who reported it again, I disputed for the above reason and XXXX  removed it from my report in XX/XX/XXXX. Now CBE Group Former reports it again. This time with an open date of XX/XX/XXXX. 
Throughout this repeated dispute, I requested account documents proving this debt is mine, I have received nothing. Again, I have never been a customer of XXXX XXXX. 
Account documents should be provided to me that show clearly that I signed for whatever service this relates to as well as any account history ledgers that prove there was an actual delinquency. If that cant be done, this collection should be totally removed from my credit report permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
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 have no knowledge of the following account that I see on my credit report : XXXX XXXX XXXX account XXXX Please investigate and delete asap.

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 2023-02-22
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2019-07-08
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called IQ Data on XX/XX/19 and spoke with XXXX and he assured me that once payment was made collection will be removed and email confirmation will be sent over confirming that debt was taken care of and removed from my credit report file. We are now on day 11 and I've been hung up on and transferred trying to retrieve/check the status of the email confirmation.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-08
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have a set of 4 loans that were delinquent at one point but since have been resolved. the agencies are reporting the very old accounts, the middle accounts, and the new ones. the same set of accounts appears 12 times. the initial accounts are far too old to be on my report. they were last active in XXXX of 2012. I have disputed the age of these and they say they are valid. there cant be 4 accounts listed 3 times each. with one set of three being over 7 years old.

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 2020-07-18
Company: Upgrade, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
During the first part of Covid-19 Pandemic I was temporary laid off from work.I called Upgrade loans to inform them of the situation And they put me on a three month Payment Reduction Plan.After the 3 months was up, I went back to normal payments.I made a normal payment the first part of XXXX, XXXXNow that I made normal payment, im getting calls from upgrade asking me when im gon na make payment and emails saying im behind.etc..Im not behind and never been late ... ..upgrade needs to stop with these calls and put correct info into there computer system.I hope they are not informing the credit bureaus wrong information.And ihope they are not charging me late fees and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
My credit reports generated by Transunion, XXXX and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX XXXX XXXX clearly suggest conflicting information of 1. Last activity and 2. Last payment date which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name TransUnion XXXX XXXX Last activity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - Credit reports of the XXXX bureaus are enclosed. 
My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.

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: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sincerely implore you to take immediate and decisive action to remove the unauthorized inquiry from my credit report without any further delay.

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: 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:
I called XXXX XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/2023 to correct inaccurate reporting of late payment. I spoke with XXXX XXXX XXXX who stated that due to the account closure and paid off 3 months early that the reporting of a 90-120 days late of payment was correct information. I informed XXXX XXXX that I never paid a late payment and that her company was reporting late payments on an account with a payment status of current and paying as agreed. I have requested the information to be corrected and updated 3 different times.

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: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone has opened accounts in my name. I found numerous errors on my credit report. Just for the record I XXXX XXXX is the preparer of this dispute. I am a living human, which I have not signed any contracts or oany obligation to open these accounts. I have rights under 15 USC 1681 Transunion, XXXX, and XXXX has allowed these creditors to violate me numerous of times. I demand these accounts be removed according to 15 USC 1681 I have a right to privacy and I did give these creditors the right to furnish these accounts. XXXX XXXX account XXXX was dismissed in XXXX XXXXXXXX XXXX  XXXX XXXX. All along I have claimed I never opened the account. Therefore it was dismissed XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. All of these accounts are not connected to an open account, I never signed any documents giving consent for them to run my credit,

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 2020-04-06
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Report Number : XXXX Date Generated : XXXX XXXX, 2020 Account Name ASSETCARELLC/CAPIOPARTNE Account Number XXXX {$440.00} Account Number XXXX {$250.00} These collection accounts just pop up in my credit report. 
I dispute these accounts many time with the company and refuse to take them off my credit report. I don't own these accounts and they do a big damage to my credit report. Each dispute XXXX  told me, the collection agency verified the accounts while they don't belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-08
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: Personal information incorrect

Complaint:
I have sent XXXX and TransUnion a personal information update on XX/XX/2019, and they have yet to update and correct my personal information. All of my information is the same and have never been updated as requested.

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 2020-07-18
Company: EOS Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
EOS CCA Debt in the amount of {$560.00}. I have disputed this information with the company. I have also reached out to XXXX the original creditor they claim the debt is from and filled fraud investigation with XXXX. Eos cca still have not removed the negative information from my credit reports which only reports on XXXX and XXXX.

Company response to consumer: Closed with explanation