BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, federal, state, local, XXXX, civil rights, state Attorney Generals, and other may be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding Judge.

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation. 

Remove all requested information.

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 2018-08-24
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: Account status incorrect

Complaint:
Since XX/XX/XXXX, I have made several complaints to CFPB and BBB about 2 XXXX XXXX cards showing up on my credit. XXXX XXXX even took me to court over the accounts and could not prove the accounts were mine. We went to court twice, the cases were both dismissed after the second court date. These accounts need to be removed from collections AND 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 explanation
Consumer complaint received 2019-08-21
Company: Experian Information Solutions Inc.
State: NY
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:
Identity theft victim

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 2021-09-21
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: Account status incorrect

Complaint:
I am writing this to try and resolve an issue that is still appearing on my credit reports. I noticed a collection several months back on my credit reports and contacted XXXX  XXXX  XXXX XXXX - " XXXX  '' - to reach a resolution. After a bit of back forth, I finally decided to go ahead and pay the collection with the stipulation that XXXX would remove the collection FULLY from my credit reports. I only agreed to pay any amount because I felt this was the quickest way to get the collection removed from my reports. I was told that it would take 45-60 days for the collection to be FULLY removed from my credit reports. Flash forward six months and the collection is still reporting! I am requesting that XXXX sticks to their word and requests the deletion of this collection from the three 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 2020-07-20
Company: EQUIFAX, INC.
State: CA
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:
Creditor sold account to multiple collection agencies and collection agencies may have sold account to other collection agencies. I've been getting harassed. I paid off the debt to a collection agency, but multiple collection agencies continue to contact me over the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Jon Barry and Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Ive tried to explain to these people that I was in an car accident and all the medical bills were taken care of by my insurance company. A total of {$2000.00} was paid. It was a sprained thumb. What else could I possibly owe money for? Besides the fact that the bill was covered and paid for by my car insurance company. The bill was paid in two separate payments XXXX on XX/XX/20 and XXXX on XX/XX/20. Ive tried referring them to my insurance company several times and they just kept harassing me and now have sent my account to collections when I dont owe them anything. Ive also never received the bill from XXXX XXXX XXXX XXXX stating I owe anything other than what was paid by my insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: AmeriCollect
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/XXXX, a certified letter was sent requesting that Equifax investigate an account listed on my credit report as XXXX XXXX XXXX. Since then three more certified letters were sent requesting reinvestigation of the same account. Those letters were dated for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. After months of dispute letters with no investigation into the requested account, the last dispute letter date for XX/XX/XXXX yielded mailed results and those results still did not include the investigation results of XXXX XXXX XXXX After multiple attempts with no response concerning my dispute. I sent one last and final letter to Equifax on XX/XX/XXXX advising them aware of the error on their part and demanded that the account be deleted given that a reasonable investigation was not conducted initially nor was there any correspondence received. Today I received results in the mail from Equifax stating that the account was " modified '' and the debt is still not listed as disputed. According to the FCRA, failing to list the account as disputed after a valid dispute has been sent to the credit reporting agencies is a violation. Equifax has blatantly failed to comply with the law and has denied my rights as a consumer. I have attached screenshots of all tracking numbers and a copy of my very last dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: Experian Information Solutions 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:
All three credit bureaus were reporting three different bankruptcies, and the courts do not verify bankruptcies. Therefore, the credit reporting agencies pulled that information from a third party reporting agency. So that information 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 explanation
Consumer complaint received 2020-07-24
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: Public record information inaccurate

Complaint:
I have been disputing for years in reference to a bankruptcy that is listed on my credit file with XXXX/Transunion/XXXX. I always submit a dispute and ask them to verify the information and the dates and they always come back and say it has been verified through a third party, XXXX XXXX. However my XXXX XXXX is frozen and has been since XXXX. So that information would be inaccurate. I am asking each credit Bureau to confirm and verify the accuracy of the bankruptcy or remove it from my credit file immedately as I have been denied Housing during this pandemic.

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 2021-09-21
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:
on XX/XX/2021 a collection account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX I FOR THE AMOUNT OF {$5.00} ,XXXX to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX  I opened XX/XX/XXXX XXXX FOR {$5100.00}, XXXX XXXX opened XX/XX/XXXX XXXX FOR {$0.00} ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt. 
XXXX XXXX HAS NOT VERIFIED THIS DEBT WITH MY SIGNATURE. 
XXXX XXXX HAS FILED BANKRUPTCY AND THE CFPB HAS ENFORCED ACTIONS TAKEN AGAINST XXXX XXXX AND XXXX XXXX SEE COURT CASE CONSUMER FINANCIAL PROTECTION BUREAU VS NATIONAL COLLEGIATE TRUST SEE COURT CASE TRANSWORLD SYSTEMS INC 2017-CFPB-0018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
THE MEDICAL DEBT WAS SET UP IN PAYMENT PLANS AND PAYMENT WAS BEING MAID. THEN IS WAS SENT TO A COLLECTION COMPANY. DEBT WAS PAID IN FULL AND ACCOUNT WAS NEVER TO HAVE BEEN REPORTED TO MY CREDIT REPORT BUT YET IT WAS. THIS EFFECTED MY CREDIT WORTHINESS SEVERLY WITH INCORRECT DERAGATORY INFORMATION

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 2023-02-20
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: Account status incorrect

Complaint:
Loan was forgiven and removed in XXXX now its new as counts open saying XXXX all are incorrect there was never any late payment history Ive lost XXXX  points in 3 DAYS from XXXX they say its verified but hasnt produced and proof

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 2021-03-02
Company: Square Inc
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I cant access my cash app account cause my number on the account is no longer in service on my account i had got my phone and my prepaid cash app card stolen from me and I had a balance of {$1800.00} in my account that i cant access cause my phone being stolen and card as well and i cant get threw to anyone to help me they sent me specialists about like 4 of 5 them dont do nothing I'm still waitjng for a respond from them all i am asking if they can help cancel the card on my account and dispute all charges thats werent by me and get a new a card sent to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: AMERICAN EXPRESS COMPANY
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
I was scammed and unauthorized extensive charges were all made on XXXX on my AMEX CARD : XXXX XXXX {$200.00} XXXX {$200.00} XXXX {$400.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$400.00} AMEX rejected my claim of fraud. I phoned on XXXX and was told not to worry that they would take care of this - then I received my monthly statement with all these charges. Called this date XXXX spoke to 2 separate AMEX individuals and they refused to deduct these fraudulent charges. Been a AMEX customer is excellent standing since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Paypal Holdings, Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
paypal suspended my account until i verified my identity for some reason they would not tell me. it took me a few weeks to gather all the required documents but eventually did ans submitted them. i provided ID, bank statement, and an account transaction history. after a couple days i went to log in and got a big message across the screen that i could no longer use paypal. plus my account balance, all the money i had at the time, would be held for 6months and then i would get an email telling me how i can get my money! i still cant believe they are able to do this to people

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: NY
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 Acct # XXXX, XXXX XXXX, and XXXXcardXXXX XXXXXXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Acct # XXXX, XXXX XXXX, and XXXXcardXXXX 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.

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 2018-04-24
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The Facts Are : 1. I vacated my apartment at the end of XX/XX/XXXX after giving enough written notice. 

2. I received a bill for the alleged damages in the amount of {$1400.00} ( {$1700.00} minus my security deposit of {$300.00} ) in XX/XX/XXXX, in a letter dated XX/XX/XXXX. 

3. I objected the bill in writing by sending a registered letter on XX/XX/XXXX. 

4. I did not hear about my written objection at all.

5. In XX/XX/XXXX I received a collection letter from I.Q. Data International Inc. ( dated XX/XX/XXXX ) for the amount of {$1500.00} ( {$1400.00} + {$59.00} interest )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: Chime Financial Inc
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Opened a account with CHIME and it went great for the first several months. About 5 days ago i got a random notice from them stating that my account has been suspended for suspicious ID issues. I sent them multiple forms of valid ID and they STILL flat refusing to re.open my account ... right before my full salaried paycheck is supposed to be deposited into that account - tomorrow morning!!! Plus, my bonus check is supposed to hit this week also! I reached out to other disgruntled ex account owners who had posted rants about chime online on XXXX. Multiple ex account holders messaged me back and said they never got their $ back!!!!! SHUT THEM DOWN!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I got these unknown addresses that I don't recognized to show up 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 2020-07-24
Company: NCB Management Services Inc.
State: MS
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:
( XXXX XXXX  XXXX  XXXX  XXXX  ) is now reporting on my credit report of a balance of {$3300.00} I have been writing and calling ( NCB Management Services ) about this debt I have no knowledge of. 
I check my reports and NCB Management Services seems to have change their name on one of the credit bureaus reports as the collector to. ''XXXX XXXX  XXXX  XXXX  , '' Reflecting the same debt they say I owe. 
The address I have been mailing letters to and calling, To get information on this debt is the same address and number listed below. 
XXXX XXXX XXXX XXXX, PAXXXX ( XXXX ) XXXX This is a case of Fraud, because I have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation