BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-27
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: Information belongs to someone else

Complaint:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XX/XX/XXXXXXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-03-04
Company: Credit Karma, LLC
State: NJ
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 have asked for further consideration regarding an increase in my credit score, but as a result I have been retaliated against and my credit scores have gone down over XXXX points. Please notate that photo of a " XXXX '' thumbs up! This photo issued by the credit reporting agency shows discrimination and I am not certain what my next course of action will be.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
On XXXX I attempted to obtain a XXXX XXXX credit card while purchasing a computer at XXXX XXXX. I was not automatically approved and received a letter on XXXX from XXXX XXXX indicating that I was not approved because my Equifax credit information had insufficient number of accounts and insufficient credit experience. Today I pulled both the XXXX XXXX and equifax reports and found that the equifax report was missing a lot of information about my accounts ( compare the two attached reports ). So I attempted to file a dispute online through the Equifax website. While doing so I was posed four questions that appeared to have nothing to do with my credit history so I answered none of the above. The website then indicated that my responses were incorrect so I was not allowed to file the dispute. There is no other way given on the website for me to contact Equifax. I tried all the phone numbers but they simply lead through various automated systems and did not provide a means to contact customer service. 

This gives me great concern given the supposed " hack '' of Equifax information. I am beginning to wonder if my information has already been compromised by the hackers or if the the supposed " Hack '' is a cover-up for a corrupted database. I checked and I am one who " May '' be impacted by the " hack ''. As for the Equifax response to the hack, if they just lost my information, why would I trust them with a 1 year identity protection plan? If indeed they allowed the information to be stolen ( and now possibly perverted ) they need to provide free quarterly credit reports including one from XXXX or XXXX XXXX each quarter for atleast two years. We who are " impacted '' should also be allowed to freeze and unfreeze our credit file for free indefinitely or at least until we change our names and social security numbers at Equifax ' expense. 

My opportunity to save {$88.00} on the purchase of the computer from XXXX XXXX is gone. Is Equifax going to compensate me for that loss? How much more time, expense and frustration will I incur as this situation unfolds? I 've already wasted a good 6 hours on the internet and phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried seven times to log into the equifax.com website to put a freeze on my credit report. I started trying last Thursday ( XX/XX/XXXX ) and tried on Friday and again this morning ( XX/XX/XXXX ).

Each time, I filled out the required form in step one, but when I hit enter, there is an error ( after waiting for about a minute ) that says " We are currently unable to service your request. 
Please try again later. '' Then I tried to call their customer support to have them do it over the phone. When I click on the " Customer Support Center '' tab on the website, I get the following error on the website it goes to : " Error 500 : 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  " I I have completed the freeze on the other two credit reporting agency website. Unfortunately, the one agency I am most worried about ( namely Equifax ) I can not freeze my credit. I am VERY upset and worried about this situation. I feel that my financial stability it at risk because their website and phone lines are not available for this critical service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXBalance XXXX {$4800.00} XXXX XXXX XXXX  XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$4800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-29
Company: Experian Information Solutions Inc.
State: VA
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 hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX opened in XX/XX/2010 for XXXX as a charge off should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, XXXX, and Experian, even after attempts of removal with credit repair company on my behalf.

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 2019-03-04
Company: AMCOL Systems, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX is showing I owe over {$400.00} for an account that was paid off to via XXXX XXXX. I disputed this on my XXXX  account as it should not be on my credit record. I also confirmed via XXXX did receive payment in full & checks all cleared the bank. XXXX didn't investigate at all. They took amcols word that I owed the money even after I told them I paid it in full to via XXXX. XXXX from amcol was still trying to collect payment & i told her they need to call their client via XXXX becausenit was paid in full. It should not even be on my credit report. I'm having no luck with people wanting to do their job & have this rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: TX
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:
The ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$300.00} ; XXXX XXXX XXXX Balance : {$18000.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$370.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXXXXXX Balance : -, XXXX XXXX XXXX  XXXX Balance : {$27000.00}, XXXX  XXXXXXXX Balance : {$300.00}, XXXX XXXXXX/XX/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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 non-monetary relief
Consumer complaint received 2021-03-26
Company: C2 Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I contacted XXXX XXXX on XX/XX/XXXX to do a refinance on my house. XXXX tells me she should be able to close in early XXXX of XXXX. On XX/XX/XXXX an appraisal was performed on my home. I sign more documents in XXXX and sent bank statements and pay check after sending initially when I submitted the application. 30 days pass I emailed the broker status On loan and she replies they can not get a hold of my HR department but they got a reply soon as I emailed for status. I told the broker my coworker that works same position as me I work with directly started his refinance process about month after me and just closed in middle of XXXX. XX/XX/XXXX signed closing disclosure and was told few days later needed more documentation and the same documentation I already sent. XX/XX/XXXX I signed another closing disclosure and once more they did not close. I tell the broker that I am dissatisfied how long its been. The broker brings up more excuses that cant calculate my income and needed my paycheck stub once again XXXX my pay stays the same for base pay ) she was going to contact my HR personally and finally get it done. I questioned how this was not figured out earlier 3 months has already passed. XX/XX/XXXX my flood insurance company finally was notified by C2 to switch information with them. XX/XX/XXXX I emailed once again for status and was told waiting for title to switch. XX/XX/XXXX I emailed for status and broker did not reply. This is my 4th home in 12 years and also my 4th refinance I do know what documentation is required.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-26
Company: Experian Information Solutions Inc.
State: TX
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 applied for credit with XXXX XXXX on XX/XX/2020. The application was denied because the credit reporting agency reported the following : You are participating in a payment relief of deferral program, receiving modified terms, or credit counseling services, on one or more of your accounts or loans. 

The above information is inaccurate as none of them items apply to my situation. The business reference from XXXX XXXX is 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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous items in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$82.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6100.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/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 2018-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX and XXXX XXXX XXXX XXXX are currently double reporting on my credit file. Also, this should NOT be reporting as a charge off. This is in clear VIOLATION of the FCRA.

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 2021-05-08
Company: AMERICAN EXPRESS COMPANY
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:
Credit card opened before the my SS number issued ; This is Errors and violation of federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Date Filed XX/XX/2011 Type Chapter XXXX bankruptcy discharged Reference XXXX Please reinvestigate this bankruptcy. I've disputed this public record numerous times with little to no investigation by TransUnion. The other credit reporting agencies realised that it was inaccurate and removed the item.

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 2018-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX is reporting erroneous information on my credit report. They are reporting & attempting to collection a debt for XXXX liquidators that has already been paid and the deed transferred. IT even says Paid in full on the report yet they continue to update a balance and attempt to collect an erroneous debt. 
The credit bureaus have been disputed as well and unless they can provide proof that this is mine, NOT XXXX XXXX ... the creditor & the bureaus are all in violation and the next correspondence will be from my attorney & I am contacting the attorney general in your state of operation.

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 2023-06-14
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, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2020-11-25
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief. My information was also impacted by the Equifax data breach and might have got to the hands of the wrong people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Mid-Atlantic Finance Co., Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
CFPB this is a NEW COMPLAINT WITH NEW INFORMATION. Please do not continue to let this loan shark of a finance company to continue to close out as duplicate as this is not. I will not cease until my i receive recompense for being charged erroneous fees in this consumer transaction. 

Not only that, there is an affidavit that was initially sent and should be responded to with a affidavit responding to each fact. There are several violations here all of which i will compile and present to my attorney if i do not receive amount requested as a result of violations outlined or possible settlement

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation