BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
New and updated information in reference to complaint # XXXX Transunion is XXXX my dispute of their reinvestigation process under 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. I included in my complaint a letter from Bankruptcy court stating that they do not communicate with any Credit Reporting Agencies. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 2 ) ( A ) Transunion is in Violation of this law and are ignoring my request to delete Bankruptcy 's from my consumer report, transunion states that Bankruptcies are varied and updated but have not contacted the US Bankruptcy Court I have attached proof of this to this complaint and previous complaints I would like to add that Transunion is also in Violation of 614. Restrictions on investigative consumer reports [ 15 U.S.C. 1681l ] Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Non of the times that I listed in previous complaint # XXXX Transunion did not follow this law and never has when I have disputed my consumer 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 2019-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2023-10-15
Company: Experian Information Solutions Inc.
State: OH
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:
Can XXXX furnish late payments and Soft and Hard Inquires on my credit report? 
Experian Credit Reporting Agency XXXX Credit Reporting Agency XXXX Credit Reporting Agency

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
ON XX/XX/XXXX I ATTEMPTED TO MAKE A XXXX PAYMENT FROM MY XXXX ACCOUNT TO MY DISCOVER CARD, AFTER WAITING 24 HOURS, I SAW THAT THE MONEY WAS STILL IN MY XXXX ACCOUNT SO THEN I ATTEMPTED TO RETRY THE XXXX FROM MY XXXX ACCOUNT TO MY XXXX. FINALLY ON XX/XX/XXXX THE PAYMENT WAS AUTHORIZED. SIMPLE ERROR ON MY PART. ON XX/XX/XXXX DISCOVER CARD CLOSED MY ACCOUNT STATING " UNSATISFACTORY PAYMENT HISTORY '' BECAUSE OF THE 2 TRIES TO MY ACCOUNT. PRIOR TO THIS, ALL MY PAYMENTS TO DISCOVER WERE ONTIME AND SENT FROM MY XXXX XXXX XXXX ACCOUNT. THIS IS VERY UNFAIR TO CLOSE THIS ACCOUNT, FOR THE PAST 5 YEARS, I HAVE CLEANED UP MY DEBTS AND CREDIT REPORT, THIS WILL BE A BLACK MARK ON MY REPORT, FOR A SIMPLE ERROR, I SHOULD HAVE BEEN MORE PATIENT WHEN SENDING THE FIRST PAYMENT. TRIED TO EXPLAIN TO DISCOVER LAST NIGHT, AND THEY SAID, IT WAS AN ADMINISTRATIVE DECISION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
When making the purchase XX/XX/17 XXXX the dealer was suppose to fix the a/c. I went inXXXX to have the a/c fixed. Stayed at the facility 8 plus hours and they didn't have the part to fix nor was the part ever ordered because they claimed they couldn't find the part. This was a part of the deal. Weeks went by and still no call to bring my truck in for service. Although I made several calls to arrange for the a/c to be fixed. The dealer didn't hold up their end of the bargain was not held. They have now placed this on my credit report.

Company response to consumer: Closed with explanation
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 is missing that should be on the report

Complaint:
I made a complaint about an item on my credit report being reported inaccurately. 

Oriiginal complaint : This should be reported by law until XX/XX/XXXX. Account info Account name XXXX XXXX  XXXX  XXXX Account number XXXX Account type Education Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed/Never late. Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$20000.00} Highest balance {$0.00} Terms NA On record until XX/XX/XXXX. 

Company Response : In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX. XXXX  XXXX. 


The item was placed back on my credit report as acurate and updated. The company has still not listed my account as opened as of XX/XX/XXXX which they say is accurate and updated.

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 2023-10-15
Company: Experian Information Solutions Inc.
State: CA
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 have 9 mortgages 8 of these mortgages are for XXXX XXXX one is for my personal residence. On or about XX/XX/2023 I received a letter that 5 of these mortgages would be transferred. These transfers were initiated by the mortgage companies themselves and I had no involvement in the transfer. Three of the mortgages were transferred from XXXX to XXXX. Another 2 were transferred from XXXX to XXXX. These are mostly old mortgages that I have been paying on for the better part of a decade and have a long history of making payments on time. They are still the same mortgages they were not refinanced. Problem is that all the credit reporting agencies closed the accounts ( yes all 5 of them ) and reported them as being new accounts. Typically this would not be a problem but withem doing 5 at once it appears that my credit score took a rather large drop. It appears that this is in the range of XXXX to XXXX points. I did open a new credit card and do a balance transfer but I don't think this would drop my score this much. I believe its related to the closure of these accounts. I could see it dropping if I refinanced or didn't pay, however they seem to have dropped my score because of something the banks did. Doesn't seem right. Could you please look into this. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I'm attaching a copy of a Transunion Credit Report which contains multiple inaccuracies and errors for several accounts that were never mine in the first place. 
XXXX XXXX XXXX # XXXX shows 30 days late payments XXXX and XXXX. It is impossible to be 30 days late 2 consecutive months. 
XXXX XXXX XXXX # XXXX states last payment received XXXX in the amount of {$540.00} but has an X for unknown in the payment history for XXXX?? 
XXXX XXXX # XXXX XXXX XXXX XXXX received XXXX for {$100.00} yet the payment history shows current for XX/XX/2022?? 
This is egregious and definitely continues to violate my consumer rights under the Fair Credit Reporting Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-06
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY
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 am writing now in hopes to receive your help. Currently I am working on reviewing my credit, paying down my balances, and pursuing better credit worthiness. You play a significant part in this process. I am inquiring about the account number referenced in this complaint.

I see you have reported me 30 and 60 days late to the credit bureaus ( XXXX, XXXX  and XXXX  ) on XX/XX/XXXX and XX/XX/2018 and I am writing this in order to get this remark took back. I had believe I had made all my payments on time, the only thing I could think of, is that my statement didn't get to me in time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2020-03-06
Company: Globe Acceptance, 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 status incorrect

Complaint:
I'm looking to purchase car an see on my credit report an old lender that was closed 3 years ago is reporting an account twice. Once with the original account an the second under a made up name so the can report twice. The account was closed XX/XX/XXXX with an original balance of XXXX. THey have one account under the correct name Globe Acceptance showing closed XX/XX/XXXX with XXXX balance. Then another Account as Globe Loan Company with XXXX an actively accruing interest since the close date of XX/XX/XXXX. I asked them to remove it an he said I remove the lower balance one. an I stated why are you reporting twice an he said dont worry about that I ll get to it eventually. 
The company Is Globe Acceptance XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX. ( XXXX ) XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-04-12
Company: Sequium Asset Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Im closing on a house. Sequium debt showed on credit report a day before closing. Sequium is trying to collect a debt for XXXX XXXX XXXX phone service that were fraudulent. Someone stole my identity and opened an account with different address, using my name. I Disputed debt with Sequium collection Agency and XXXX XXXX XXXX. Sequium asked me to send request through email for dispute since I never received notification of this debt ( fraudulent address used ). They have not responded, its been over a week. Mortgage company demanding debt to be paid before closing. So now my closing has been delayed 1 week and rate lock about to expire. Will cost me thousands of dollars to extend rate. Thankfully XXXX XXXX XXXX has recalled the debt from collection agency, realizing fraud. Sequium collection agency also admits verbally they can no longer locate the account, shows debt was recalled. The debt Still shows on credit report and Sequium says it can take up to 30 - 90 days to be removed from credit report but REFUSES to help me with some sort of letter simply stating any of these facts so that I may close on my home. Still no response through email either after repeated requests for any validation or invalidation of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: EQUIFAX, 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 have 1 fraud account listed on my credit report for XXXX XXXX. I have filed an Identity Theft Report which is attached to this complaint and the report number is XXXX Please see the attachment. I have also 11 fraudulent inquiries as well. XXXX XXXX, XXXX XXXX, XXXX - CARD SERVICE, XXXX XXXX/XXXX XXXX, XXXX XXXX, XXXX, XXXX - CARD SERVICE, XXXX - CARD SERVICE, XXXX XXXX XXXX, XXXX XXXX, XXXX - CARD SERVICE and XXXX/XXXX Please remove the graudaccount and inquiries from my credit report immediately. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: NY
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 this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loan from Heartland ECSI qualifies for cancellation as I am a XXXX XXXX XXXX. I submitted and had all my paperwork accepted last year. This year they have denied me THREE times. Each time I call and a representative tells me I am missing some small thing. I am forced to contact my HR, have all the paperwork redone and resigned, have the paperwork sent to me, and remail all the paperwork in. Each time the representative promises me all the steps are complete and each time it is denied. They are running out the clock on my loan grace period now and I will soon have to make payments on a loan I should receive forgiveness for, often when I call they can't access my documents and make me call back and sit on hold for up to an hour so they can again tell me they need something new. At this stage the state that my job description doesn't say " XXXX XXXX XXXX '' because I work in a XXXX XXXX XXXX, and it says " XXXX XXXX population '' so I submitted a letter on letterhead stating I am a XXXX XXXX XXXX and they denied it AGAIN. I can't force my XXXX to rewrite a job description. They are clearly doing all they can to run out the time so I have to start repaying the loan. This is unethical to the extreme.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: OK
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:
tried to communicate with these companies as i did not contract with anyone. unknown who any of these so-called companies are. after much research i found at minimum : [ Cf. 42 USC 1985 ( 3 ) ] - deprivation of our rights, [ Cf. 18 USC 1961 ] - Racketeering activity, [ Cf. Title 18 USC 1341 ] - Mail Fraud, and [ Cf. 18 USC 1343 ] - Telecommunications Fraud, [ Cf. 42 USC 1985 ( 2 ) ] - Obstruction of the Justice, [ Cf. 42 USC 1 CH. 21 - 1983 ] - Personal Damages resulting in continual Injury, [ Cf. 42 USC 1983 Note 39 ] - Civil Deprivation of Rights, [ Cf. 42 USC 1983, Note 319, and Note 337 ] - Custom & Policy.

[ Cf. 18 USC 242 ] - Conspiracy, and under the Color of Law, [ Cf. 18 USC 241 ] - Criminal Deprivation of the Rights, [ Cf. 18 USC 872 ] - Collusion/Coercion , [ Cf. 18 USC Ch. 73 1512 ] - Criminal Obstruction of Justice leading to, [ Cf. 28 USC 1359 ] - Loss of the Jurisdiction by their Collusion, all while operating under the [ Cf. 4 USC - Desecration of the flag. ( every reference is relevant, and i am clear of these allegations ) [ Cf. The Public Law 93-579, Section 7 ( a ) ( 1 ) 88 Statutes At Large 1896, 1909 ( 12/31/1974 ), codified at 5 USC 552a ] in the Notes, states that : It shall be unlawful for any Federal, States or local government agency to deny to any individual any right, benefit, or privilege by law because of such individuals refusal to disclose his social security account number. ( https : //www.justice.gov/ ). and [ Cf. Per the Public Law 75 -583 title 22, subsection 611 in Wex Law
, ] as PUBLIC SERVANTS, they were required to produce my request and refused with their silence : Oaths of Office Foreign Agent Statements and their amendments [ Cf. Foreign Agents Registration Act of 1938 ]. 
Anti-Bribery Statement Puerto Rico Secretary of State Letter of Tax Exemption Have National I.D . Card Delegation of Authority Order And any other instruments deemed by law. ], and ; Oaths to the United Nations ( UN ) All codes, rules, and regulations, are for government authorities only, non human/Creators in accordance with Gods laws. All codes, rules and regulations are unconstitutional and lacking due process [ Cf. Rodriques v. Ray Donavan ( U.S. Department of Labor ) 769 F. 2d 1344 ( 1985 ). ]

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 2023-09-03
Company: EQUIFAX, INC.
State: IN
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: Investigation took more than 30 days

Complaint:
In accordance with the fair credit reporting Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, balance owed is reported but it is showing as a closed account, and date reported is not accurate. Some account don't even show a closed date!! This is grounds for removal, they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Also the credit bureau took more then 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX- Equifax # XXXX XXXX XXXX XXXX XXXX - XXXX  # XXXX XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief