BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-05
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 {$1800.00}, {$6800.00}, {$33000.00}, {$12000.00}, {$16000.00}, {$18000.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$33000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -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 2023-03-13
Company: AMERICAN EXPRESS COMPANY
State: MI
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 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: EQUIFAX, 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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX # XXXX XXXX, WI XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance XXXX {$3800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$960.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$1900.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$960.00} XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX {$960.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the 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 XXXX XXXXXXXX XXXX XXXX XXXXXXXX US DEPT ED XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2400.00} US DEPT ED XXXX Balance Owed : {$5700.00} XXXX XXXX US DEPT ED XXXX Balance Owed : {$590.00} DP OF EDUC XXXX Balance Owed : {$3900.00} US DEPT ED XXXX Balance Owed : {$2800.00} US DEPT ED XXXX Balance Owed : {$6200.00} XXXX XXXXXXXX XXXX XXXX DP OF EDUC XXXX {$6200.00} DP OF EDUC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/202XXXX 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 2022-12-23
Company: Experian Information Solutions Inc.
State: AZ
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 have submitted multiple disputes and FTC regarding these fraudulent items on my credit report that dont belong to me. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.

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 2020-06-11
Company: ALLY FINANCIAL 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: Account information incorrect

Complaint:
I have 2 paid collections that are still showing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to submit a formal complaint regarding inaccurate information on my credit report, which I initially contacted TransUnion about on XX/XX/XXXX. To date, I have not received any response from TransUnion regarding the dispute. I am providing the details of the inaccurate information and the necessary corrections below : The following account was never late : Creditor : XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$7000.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$89000.00} Please correct/update this inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
I am going over my credit files and trying to look into how there are unknown addresses on my file. I am having issues on my job as far as my insurance due to the addresses and zip codes that do not belong to me. Please delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, NV XXXX there are cellphone numbers that do not belong to me either please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 I disputed a charge due to being mistreated and abused by a company XXXX XXXX and XXXX  XXXX in XXXX Az As per credit card company I disputed the charge every 60 days for the next XXXX  months the card is with Synchrony Bank Care Credit division Besides the Care Credit Synchrony Bank also handles The XXXX card During this time period I also applied for a XXXX XXXX card and a XXXX card both through Synchrony Bank as well I was approved for all XXXX cards My Care Credit card with an XXXX  year impeccable payment history credit limit was dropped then closed My XXXX  card was then closed I never used XXXX closed it right after I was approved and then after XXXX purchase with XXXX XXXX paid it off and then closed it These events all took place during my initial dispute of {$250.00}. Going back and forth with the 60 day disputes explaining over and over regardless about the service payment agreement due to the circumstances and the company XXXX XXXX is very aware of my complaints which I haven't been able to do anything about either. Being mistreated and I mean being over anesthisized when I specifically asked not to be, the XXXX changed his mind while I was in the chair as to which tooth to do procedure on, no emergency after hour return call, XXXX XXXX, broken tooth and to top it off an XXXX week XXXX. Then lied in reports of the ongoing that day I was forbidden to seek help from their offices, they lied about my psychiatric service dog, called law enforcement on me accused me of harrassment and and all over {$250.00} that neither company is willing to let go and now Synchrony Bank has informed me and called me credit unworthy and that XXXX will no longer be issuing me a card through that part of Synchrony Bank as well

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 monetary relief
Consumer complaint received 2022-07-05
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
XX/XX/2022 Experian XXXX XXXX XXXX XXXX, Tx XXXX I have previously disputed this item with you US Bankruptcy CourtXXXX XXXX XXXX Case Number XXXX and Experian and in response they verified the item as accurate, stating that you have verified the information with the court. I have contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore, your original response verifying the time with the course was either error or lie. Either way, the reporting requires to not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted immediately. 
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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$16000.00}

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 2021-02-05
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had XXXX XXXX XXXX that I terminated when I moved in XX/XX/XXXX. Per XXXX XXXX instructions, I placed their modem in a pre-addressed box and shipped it back to them. They later informed me they had not received it. In XX/XX/XXXX, I spoke with a customer Support agent to verify that they had received it. I did not receive any additional communications or bills from XXXX after that date so assumed everything was resolved. 

This month, XXXX of XXXX, I received a notification that a collections had been placed on my XXXX and XXXX  credit reports by IC Systems. I have not received any communications from IC Systems. When I called IC Systems they informed me that the collections was in fact for the unreturned modem, and that they had been sending letters to the address provided by XXXX, where I lived up until XXXX of XXXX. The agent then told me they can not offer any resolution then abruptly disconnected from the call. Of course I never received these letters as they were sent to my old address. 

I checked and my current address is accurate on both my XXXX  and XXXX  credit reports, so would have been available for IC Systems to reference. 

Not only was this debt previously addressed with the original company, XXXX, I received no communications neither from XXXX nor IC Systems informing me they still considered the debt to be outstanding before it was reported to 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 2023-06-23
Company: Experian Information Solutions Inc.
State: AR
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 my multiple request for you to inform that I want to delete some items on my credit file. The Credit Bureaus are reporting inaccurate information my credit file. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate these reporting by making a revision of the information provided. Modify and perform any items and erase these items from my personal file : XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXXXXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX, AR 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 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 did not consent to authorize nor benefit of of the student account. As a FEDERALLY PROTECTED consumer, a Natural person and a private individual, I demanded them to remove them from my consumer credit report IMMEDIATELY because their reporting is a violation of my rights pursuant to Title 15 Chapter 41. Pursuant to 1681a, I have the RIGHT to DEMAND that such information NOT be communicated/reported.

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 2023-10-25
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The 3 Credit reporting companies equifax XXXX and XXXX. CONTINUE and FAIL TO NOT PROTECT CONSUMERS. as consumers we must PROVE that incorrect/ erroneous items are so. While Credit Furnishers or debt Collectors. DO NOT HAVE any type of burden to prove that the negative information they provide is Correct. Suggest that ALL credit furnishers and debt collectors MUST Prove that ANY negative information they provide MUST Include proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 2023-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

XXXX XXXX XXXX  XX/XX/2023 Capital One XX/XX/2023 XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 did not consent to authorize nor benefit of of the student account and inquires in my consumer report. As a FEDERALLY PROTECTED consumer, a Natural person and a private individual, I demanded them to remove them from my consumer credit report IMMEDIATELY because their reporting is a violation of my rights pursuant to Title 15 Chapter 41. Pursuant to 1681a, I have the RIGHT to DEMAND that such information NOT be communicated/reported.

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 2023-06-23
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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