BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-10
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 purchased solar panels from XXXX XXXX XXXX  XXXX I was told to make a payment even when services have not yet started and the company would reimburse me for that month. I tried reaching the contractor, but could never reach them so then I went to my bank in XXXX, and disputed the payments for the XXXX months, which were XXXX and XXXX, not even XXXX days after the company was calling saying I was 60 days late. I explain to them the situation and who I spoke with which was XXXX and XXXX said to make the other payment. They will work things out and work out the late fees due to the misunderstanding, it is now XXXX months later I have yet to receive my payments and my credit report is reflecting XXXX to 89 days late. The payments were paid in full. I have the payment history in my bank statement for verification. I also have payment confirmation numbers. 

XXXX option XXXX XXXX XXXX XXXX XXXX XXXX department Contractors numbers to contact for my reimbursment XXXX XXXX XXXX XXXX and XXXX XX/XX/24 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 2022-11-10
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX

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 2020-03-07
Company: First Advantage LNS Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been trying to get this horrible company to remove this erroneous collection from my credit profile for over a year. They claim I owe {$760.00} to XXXX XXXX XXXX. This is a lie. The company responds to CFPB stating that they respond directly to me. They only respond with my original lease agreement. There is NO PROOF that I did not fulfill my contractual obligation, in which I did! 

In case the company CLAIMS they can't identify me again : My name is XXXX XXXX XXXX. Last 4 of my social is XXXX. File # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
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: Their investigation did not fix an error on your report

Complaint:
XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX/XXXX  partial account number XXXX. ( Please see pages23 and 24 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX, however XXXX and Transunion have not removed this from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from 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 2023-07-20
Company: Experian Information Solutions Inc.
State: VA
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 do not recognize how this account is reporting on my credit report. I don't recognize the account number. I don't recognize the account status. I don't recognize the account 's high balance, nor do I recognize the later payments associated with it. Everything reported here does not meet the FCRA.

Late Payments In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 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 an account without my written instructions.

Under 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 any purpose. Due to these violations, I have a right to sue per violation.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 


ACCOUNTS : 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 2023-06-07
Company: NCB Management Services Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have received your notice that you have bought the alleged debt. Once again you are impersonating a creditor. If XXXX stated NCB MANAGEMENT bought the debt and RISECREDIT closed account and removed from their system you bought the debt wouldnt that be considered your debt you are liable for. Your company not only bought the debt but obtained my personal information without MY permission. I do not know you neither went into business with you. This is identity fraud. I am the grantor of the credit I extend my credit which makes me the? I have a right to privacy in my personal transaction! You are damaging my credit! You did not send me a request to access my credit account neither did I give you MY personal information. Your company has my personal, private information that should only be obtained if I give the company the right to do so. You are NOT a company I ever did business with. I will file a IRS 3949a form on NCB AS WELL AS XXXX AND XXXX for not doing a proper investigation and not getting my consent to furnish fraudulent information to my credit account. Do your company read laws on securitization and XXXX ACCOUNTING? This is redundant and I have sent multiple notices to you to cease and desist all collection activities and remove from my report due to identity theft because I did not give you my personal information which means you got the information fraudulently. XXXX is in violation as well for selling my personal information to an unknown 3RD PARTY. You are not the creditor neither did I give NCB management my information. XXXX closed this account you bought the debt YOU are liable! I DO NOT KNOW YOU OR YOUR COMPANY thats damaging my consumer report! Have you read the privacy act, or fair debt collect practice act even ftc laws! You are in violation and could face criminal charges if you proceed! I did NOT do business with you so you shouldnt have my PERSONAL information! Thats identity theft and impersonating a creditor is fraud! YOUR COMPANY JUST SENT ME A LETTER STATING A data breach in your system. NOT ONLY DID YOU OBTAIN MY INFORMATION WITHOUT MY KNOWLEDGE AND CONSENT NOW YOU HAVE PUT MY PERSONAL INFORMATION AT RISK DUE TO YOUR COMPANY NEGLIGENCE! This is how your company operates than you should be shutdown immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The Following is my Fraud claim directly to XXXX XXXXXXXX XXXX card, I am also mailing a certified letter with all the following information : Attached are : My claim of fraud, Affidavit of Fraud and certified letter to be mailed on XX/XX/XXXX RE : XXXX XXXX Card acct. # XXXX XXXX, REQUESTING EXPIDITED HANDLING I am formally claiming fraud on the above mentioned XXXX credit card. The balance and status XXXX is reporting to the following Credit Bureaus ; XXXX, XXXX and XXXX is grossly inaccurate and as a result, I am in immediate danger of harm and serious financial damages. 

ISSUES : I have been pre-approved for a large mortgage around {$600000.00}, the closing is Monday XX/XX/XXXX. Therefore I am requesting XXXX to either remove the entire tradeline reported in XX/XX/XXXX or update it. Specifically the entire balance and status of this account at least until a proper investigation is completed. 
I am disputing the balance ( should be XXXX balance ) and the status ( closed by credit grantor ) I am confident the investigation will confirm my claim. 
To help speed up the process and avoid any delays, I have attached an affidavit of fraud that is specific and contains all I know concerning the above mentioned account. 
I have also filed similar disputes with XXXX, XXXX and XXXX to preserve my right to file a civil complaint for damages against XXXX in the event a reasonable response is not obtained and I suffer damages as a result. 
**Additionally, in the event XXXX attempts to conclude any charge or transaction belongs to me I am requesting all unredacted documents considered and/or used to conclude XXXX investigation. I am also requesting the following information. 
A list of how each charge was transacted. In other words, by phone, online or in person The Last time ( date ) a card for the above mentioned account was mailed and to what address. 
If a card was mailed to me in XXXX, when was it mailed? 
If a card was mailed to me in XXXX, a. ) did it need to be activated and if so, how was it activated b. ) If the card was activated online, what was the IP address used? 
c. ) If the card was activated by phone, what was the phone number used? 
5. What specific information was used to activate the card? 
I am hoping XXXX will take this seriously as it is a serious matter. I am further requesting all correspondence be done in writing to assure all sides have the same factual history and information. This will also provide fair and equal access to facts. 
*NOTE : i will accept communications via email, USPS , XXXX, XXXX or through any secure platform XXXX would like. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi. 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 2021-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXXXXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) is still reporting a collection to my TransUnion report that is over 7 years old. They are also re-aging the debt to make it look newer than it actually is. I called XXXX XXXX XXXX on XXXX and spoke with XXXX ref # XXXX. I asked for validation of the debt and was informed the original collection was from XX/XX/XXXX, and will fall off at 7 yrs = XX/XX/XXXX when reaches 7 yrs old.

It's now 7 yrs old and it's still reporting. Property Addr was : XXXX XXXX XXXX XXXX. 

I demand this collection be removed from my TransUnion report as it older than 7 years and should have been removed by now,

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 2023-06-07
Company: Experian Information Solutions Inc.
State: MD
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 submitted a dispute to a credit for XXXX XXXX XXXX XXXX XXXX to update the debt to reflect ZERO balance or paid in full/closed as of XX/XX/XXXX. I submitted documentation to support the update request. I have contacted Experian numerous times, specifically, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After several attempts to get this account updated correctly, my Experian dashboard is updating the account balance as open/never late and displaying a balance of {$9200.00}. Again, the balance should reflect {$0.00} paid/never late. Each time I contacted Experian, I specifically requested for this account to be updated since I provided supporting documentation that the account is paid in full and closed. Again, this is a lack of attention to detail on behalf of Experian. The supporting documentation was submitted at the time the original dispute was filed. Experian should check their files for supporting documents, prior to updating the accounts, which would have played a critical role in a much quicker and accurate update. It Experian contacted the creditor XXXX XXXX XXXX XXXX XXXX, they would have confirmed that the information supporting document is sufficient for accurately updating the account. Each time I request the information to be updated correctly, it requires a new dispute which causes 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 explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: MI
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:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the account that are still showing on my report. 
XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXX Balance : -

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 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2023-11-04
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was the XXXX website and I ended up getting ripped off by different scammers posing to be legitimate sellers on that platform. The first company name XXXX XXXX XXXX XXXX XXXX XXXX, they got me for {$2700.00} XX/XX/2023 and the second was XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX they got me out of {$3100.00} XX/XX/2023. I filed a dispute with the website and they gave me a 2 month run around not being able to retrieve my money back so I contacted the XXXX XXXX XXXX for help and Im currently waiting for an update from them now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I made multiple payments in XXXX for my XXXX XXXX for the month of XX/XX/2023. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) : The CFPA established the Consumer Financial Protection Bureau ( CFPB ), which plays a significant role in overseeing and enforcing consumer financial protection laws, including those related to credit reporting.closure pursuant to 15 U.S. Code 1637 - Open end consumer credit plans. Because of this willful and knowing violation, there is a negative rating on my credit report. Pursuant to 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter. XXXX claims they do not mark payments late to reporting agencies unless 60 days late which this account certainly has not been. Fix any late payment regarding this account or litigation route will follow.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-20
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On X/XX/2018 XXXX XXXX XXXX added a collection account to my XXXX and XXXX credit reports in the amount of {$310.00}. It negatively affected my credit score decreasing it by 6 points. On the XXXX report the remarks are listed as unknown. On the XXXX  report the remarks are listed as medical. They claim the original debt was from XXXX XXXX, which I have never taken a payday loan ever. I am certain that XXXX XXXX XXXX have fraudulently reported a debt to my credit report and demand that I have these removed and have my credit score returned to its original score before this happened. I have tried numerous times to contact XXXX XXXX XXXX and have sat on hold on their phone line with no answer. This fraudulent attempt is damaging my credit score and need this resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: EQUIFAX, 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've sent multiple letters of dispute advising of unauthorized inquiries on my credit report. I have a fraud alert in place and none of the below inquiries were authorized by me and none are attached to any open account. I'm tired of sending information to dispute and wasting my time. If these aren't removed, my step will be the Federal Trade Commission and XXXX  XXXX  XXXX  These inquiries should be immediately deleted from my file : XXXX  XXXX/XXXX  XX/XX/XXXX XXXX XXXX/XXXX   XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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:
Among this information there are late payments and I have never paid late. There is also incorrect information and accounts with incorrect information. I want these accounts to be reviewed and the incorrect information eliminated. 

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 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 non-monetary relief
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: IA
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:
Disputing ( XXXX XXXX, Collections, Inquiries. ) ( See Attachments ) Inaccurate personal information ( Names, Addresses, Employment. ) Collections- ( see Attached ) XXXX XXXX XXXX  Violations XXXX XXXX XXXX FDCPA Violations , FCRA violations ( Requesting Validation, Verification, Proof Validation Letter Sent, Address on File For Consumer ) ( All Document In Cease & Desist Certified Letters ) attached Hard Inquiries ( No authorization )

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