BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
To Whom it May Concern : I have recently pulled my TransUnion credit report and noticed that a public record that has been investigated and DELETED by another credit bureau is STILL being reported by TransUnion. I have PROOF that this public record was deleted. XXXX conducted another review of this public information as reported to them through XXXX and this claim was unfounded and therefore removed. Please follow suite and delete this public record for accurate reporting. This public record needs to just be removed in order to show my true credit history. 

XXXX has removed all records associated with Ohio Federal Court - XXXX Docket # XXXX. This public record was reporting the following information from the following report : Ohio Federal Court - XXXX Docket # XXXX I am aware that TransUnion conducted an investigation in XXXX XXXX. I am DEMANDING that another investigation be resubmitted based upon the findings from XXXX. I want this new investigation done so that we can actually VALIDATE this public record as such. DO NOT send another response stating that based on XXXX XXXX 's investigation, that this claim is valid. I want you to investigate this claim as of XXXX XXXX to depict the MOST ACCURATE REPORTING OF THIS PUBLIC RECORD AS VALID. 

Also, let the record show that upon reaching out to XXXX, I was told that bankruptcies are not reported to the credit bureaus and that they do not verify bankruptcies, as per your results from the " investigation '' done in XXXX XXXX. 

Be advised that this is an attempt to correct your records. Any information obtained shall be used for that purpose. Please review the attached information provided. 

Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. 

Thank you for your cooperation, 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 2021-08-23
Company: MAJR Financial Corp
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:
On XX/XX/20 XXXX XXXX XXXX.has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. 
They are violating my rights and harming me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions 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:
It was revealed in my credit report that a closed account is inaccurate that I did not authorize.I would like this accounts immediately remove from my Experian and XXXX credit report : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date open for XXXX : XX/XX/2022, Date open for Experian : XX/XX/2022. Both are reporting different dates, I respectfully asked the creditor to provide some kind of proof of these alleged items, specially the contract, note, or other entrustment bearing my signature. additionally, to please provide the name, address, and telephone number of each credit grantor or other subscribers. It has been over 30 days and I haven't got a response. Under federal law they have 30 days to complete a reinvestigation. as well that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provide within 15 days of the completion of the reinvestigation. 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and.

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 2019-02-02
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I met with the XXXX guy at my work parking lot and he sold me a scanner, smoke tester, pcm reflash, and a few other items that I could use while I was working. I was approved for the items and they cost approx {$6000.00}. I no longer needed a few of the items and I needed to lower my payment. The XXXX worker took back the PCM reflash which was almost $ 3k. Which should have lowered my amount. I never saw the decrease. He said that he would have to return it himself, but I never got the part back nor did I ever get that amount removed from my account. I paid quite a bit of money and I do not feel that this should be on my account I would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Radius Global Solutions LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
RE : Radius Global Solutions account # XXXX XXXX RADIUS Global Solutions bought a JUNK DEBT for an account I had filed not ONE, but TWO proper ID Theft reports way back in XXXX and XX/XX/XXXX FTC report # XXXX ( see attached FTC ID Theft Report ). 
About a year ago Radius began sending me collection notices for the XXXX accounts listed on my ID Theft Report. XXXX of XXXX I sent Radius Global Solutions a CEASE & DESIST request. Global Solutions has ignored that request. I do not owe any debt from  XXXX and Radius Global is harassing me. I am again requesting for Radius Global Solutions to Please Cease & Desist all communications, unless the communication is to inform me they will no longer attempt to collect on the illegal debt and will not attempt to resale the debt to another Junk collection agency.  Radius G.S. does have a legal obligation to Also for them to conduct a proper investigation and provide me a report of that investigation including the steps they took to investigate.

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 2023-07-10
Company: CAINE & WEINER COMPANY, INC.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company has reported false information on my credit report several times and refuses to remove the item. This is grounds for a lawsuit if they do not remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Request to remove inaccurate/unrecognized collections accounts : XXXX XXXX XXXX ... .. {$1500.00} XXXX XXXX XXXX ... ... {$240.00} XXXX XXXX XXXX .... {$2700.00} I have disputed these invalid accounts but they have not been removed.

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 2019-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit and saw an account for XXXX XXXX  for {$9900.00}. I have no knowledge of this account and it DOES NOT belong to me. I am not an authorized user on any accounts pertaining to XXXX XXXX. I did not co-sign for any loans, credit cards, or anything else. I do not have any products with XXXX XXXX  except a checking and savings 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 2023-07-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have had issues with Equifax, XXXX, and XXXX about giving other reporting collection companies using information that was sensitive without my written consent due to permissible purposes act which i never gave permission, as well as transferring medical debt to third party collection agencies violating my right to privacy. I was a victim of identity theft, and these collections are non-valid due to the nature of this situation and others using my name to receive medical attention with my insurance as well as trying to access loans and credit cards in my name. I have discussed also that several inquiries and closed accounts needed to be removed from my account. It has been well over 30 days and by the fair act 's rights of consumers, any negative information needs to be removed in its entirety. I appreciate your time and patience to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
The interest fluctuate. Its never consistent. I have a 2.9 % interest rate and a monthly payment of XXXX. With my calculations thats a {$30.00} interest rate. However they say they have a daily interest rate of {$4.00}, which I am unaware of. Also I pay before due date and sometimes more. However I feel like Im being penalized for paying before time. The interest in order payment of {$1100.00} principal XXXX and interest {$230.00} on XX/XX/XXXX, payment of {$1100.00} principal XXXX, interest XXXX payment on XX/XX/XXXX, payment {$1000.00} interest {$810.00} and interest is {$230.00} on XX/XX/XXXX, on XX/XX/XXXX payment of {$1100.00} principal XXXX and interest is {$110.00}, payment on XX/XX/XXXX XXXX principal XXXX and interest XXXX, on XX/XX/XXXX payment of XXXX and principal is XXXX and interest is {$72.00} on XX/XX/XXXX payment of {$1000.00}, principal of XXXX and interest of XXXX and payment on XX/XX/XXXX payment of {$1000.00} principal of {$900.00} and interest of {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 a error reporting on my credit report from XXXX XXXX XXXX open XX/XX/2021 for {$1600.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX. tried disputing this but came back as verified

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 2021-02-12
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Disputed this issue with this CRA and its still on my credit profile. Reference numbers XXXX, XXXX, and XXXX. I believe this credit reporting agency did not legally obtain this information to add these derogatory marks. This is not my accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian is not updating my credit report and score on there site. I can't go on annual credit report and order from all 3 bureaus because of Experian. The 2 tickets numbers I receive ticket code is XXXX is from XX/XX/2020. The second ticket number is when they finish there investigation is Reference number : XXXX Please use this ticket number in any correspondence with us Subject : Ticket XXXX on XX/XX/2020. The issue was not resolve. I called Experian and the customer service rep hangs up on me when they can't resolve the issue. I feel I'm being taken advantage of because they are a big company. They feel this is not a problem to fix or not important enough just to help one person. When this problem can stop me from getting a new job or new home for my family. l will file a complaint with the Attorney General and file a civil lawsuit against Experian if this issue is not resolved.

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 2019-10-28
Company: Experian Information Solutions Inc.
State: LA
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:
All 3 of the credit reporting companies continue to mess up my reports. XXXX and XXXX are by far the worst. XXXX  removed 4 closed accounts in XX/XX/XXXXafter XX/XX/XXXXrightfully did. The accounts were closed and had been paid off. Now, all 4 are back on there for NO APPARENT REASON! Also, an account that has been verified as not mine because I never lived at the address where the utility company has these reported and verified this with my lease, DL, and its on my credit report as not living there, was removed on XX/XX/XXXX and now Is back on there. I DO NOT HAVE TIME TO MONITOR THIS EVERY XXXX DAY!!!

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 2019-10-28
Company: EQUIFAX, INC.
State: LA
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:
All 3 of the credit reporting companies continue to mess up my reports. XXXX  and Equifax are by far the worst. XXXX  removed 4 closed accounts in XX/XX/XXXXafter Equifax rightfully did. The accounts were closed and had been paid off. Now, all 4 are back on there for NO APPARENT REASON! Also, an account that has been verified as not mine because I never lived at the address where the utility company has these reported and verified this with my lease, DL, and its on my credit report as not living there, was removed on XX/XX/XXXX and now Is back on there. I DO NOT HAVE TIME TO MONITOR THIS EVERY XXXX DAY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
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 called the credit reporting agencies and let them know the inquires in the document included below are not supposed to be visible on my consumer report. I never gave them written consent to report them 18 U.S. Code 1028A - Aggravated identity theft ( a ) ( 1 ) Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account of 16 years with JPMorgan Chase was closed on XXXX after I scheduled transfers from my XXXX XXXX account the day after I was to be paid by my employer. Nobody in security contacted me to ask what was happening. I went to a local branch who contacted security for me and security refused to assist. Chase is being arbitrary and stating I am not permitted to open a new account under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: SUNRISE CREDIT SERVICES, INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is my formal written complaint. I am denying all calms by SUNRISE CREDIT SERVICES. I have never done any business nor received any goods/services from SUNRISE CREDIT SERVICES In fact, I am 100 % confident that the plaintiff can not provide any instrument of a signed contract/agreement between SUNRISE CREDIT SERVICES and myself, labeling me as a debtor who is obliged to any debt/monies owed to them as a creditor. It is from my understanding that I do not know of this entity and under federal Law they do not have the legal right to bring forth any said " claiter '' against me. I would like this investigated immediately and removed from my report once found inaccurate information. This has caused severe damages to my consumer report, livelihood, and character due to their inaccurate reporting on 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 explanation
Consumer complaint received 2023-03-24
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:
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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 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 2019-02-02
Company: Pendrick Capital Partners Holding, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX is attempting to recover a debt of {$790.00} that is not mine. I have never had a contract or account with them. 
Thy even state in their letter that they are not the original account holder and that it was Pendrick Capitol Partners II LLC. I'm not familiar with them either. 

If I have no written contract with XXXX XXXX why are they trying to collect a debt from me for another company? I request validation of this account with original documents showing itemized charges. Not photocopies, but originals with wet ink signatures on it. 

I doubt that they can produce these documents. And if they do have them and they are not a licenced medical facility but a collection agency then that is a clear case of a HIPAA violation and possibly FDCPA violation. 

I have sent a letter directly to XXXX disputing these charges and account a week ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Over the course of the months, I have had numerous issues with this company where one instance one of the collectors got out of character with me, but I've retain a attorney XXXX XXXX XXXX in  XXXX FL and we would like to settle alleged debt for {$1000.00} and have until the end of the month to pay.I will make payment via phone with my attorney as 3rd party to confirm my payment and I once payment is made will be looking for a settlement letter as confirmation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and Transunion has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : DPT EDXXXX Account # : XXXX Account Name : DPT EDXXXX Account # : 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