BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-28
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: Investigation took more than 30 days

Complaint:
Mortgage / Real Estate account is reporting incorrectly as closed. Should be Current / Paid, on time, with a balance of {$190000.00}. Attached is XXXX  the creditor 's response to the Consumer Financial Protection Bureau, and North Carolina State Attorney 's General Office, stating that it's been reported to the three major credit bureau 's. Yet, this information has not yet been updated on my personal credit report, for over 90 days now this information has been incorrect, disputed, and still not reporting correctly.

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 2023-08-07
Company: LEXISNEXIS
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: Their investigation did not fix an error on your report

Complaint:
Ive disputed a XXXX XXXXXXXX XXXX  IL XXXX Reference number XXXX with the following credit bureaus ( XXXX, XXXX, and XXXX ) which all confirmed the public record was verified by the LEXISNEXIS and THE COURT HOUSE. I asked all three bureaus ( XXXX, XXXX and XXXX ) to disclose their method of verification on the alleged XXXX they are reporting. They replied to me with the XXXX being verified. I then reached out to the courthouse and their correspondence to my letter was that they do not verify or validate information from consumers credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-28
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Mortgage / Real Estate account is reporting incorrectly as closed. Should be Current / Paid, on time, with a balance of {$190000.00}. Attached is XXXX  the creditor 's response to the Consumer Financial Protection Bureau, and North Carolina State Attorney 's General Office, stating that it's been reported to the three major credit bureau 's. Yet, this information has not yet been updated on my personal credit report, for over 90 days now this information has been incorrect, disputed, and still not reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've reviewed my account and noticed information that was inaccurate and didn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousnessXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$1000.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX XXXX XXXX, GA XXXX Date XXXX XXXX XX/XX/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 2021-01-19
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/13 During our children 's illness and care and transportation back and forth to the XXXX XXXX and not being able to work full time and only part time to help his recovery over 49 months our mortgage company at the time, Mr. Cooper - XXXX XXXX prior would not approve us for a temporary modification nor a reduced payment for a interim period of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
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: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX and I am a victim of ID Theft. Someone stole my personal information, including my ID and SS Card and later used my information to open the following accounts up fraudulently : XXXX XXXX XXXX, XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened :  XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened :  XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  Opened : XX/XX/XXXX Amt. XXXX XXXX  XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX The following inquiries were fraudulently opened in my name : 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 and XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-08-07
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: Information belongs to someone else

Complaint:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence.

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 2020-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, my name is XXXX XXXX and I am a victim of ID Theft. Someone stole my personal information, including my ID and SS Card and later used my information to open the following accounts up fraudulently : XXXX XXXX XXXX, XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened :  XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened :  XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened :  XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened :  XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened :  XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened :  XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  Opened : XX/XX/XXXX Amt. XXXX The XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX The following inquiries were fraudulently opened in my name : 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 and 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 2022-10-31
Company: EQUIFAX, 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 information incorrect

Complaint:
XX/XX/2002, i sent a letter to XXXX, EQUIFAX and XXXX advising them to remove inaccurate and incorrect information from my credit report, they have yet to do so. 



The credit companies are not complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
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 information incorrect

Complaint:
XXXX/XXXX/2002, i sent a letter to TRANSUNION, XXXX and XXXX advising them to remove inaccurate and incorrect information from my credit report, they have yet to do so. 



The credit companies are not complying with their own policies in a timely manner.

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : Account Name XXXXXXXX XXXX XXXXXXXX # XXXX {$410.00} Account name : XXXX XXXX XXXX {$740.00} Account Name : XXXX XXXX XXXX XXXX XXXX 0 % Account name : XXXX XXXX XXXX XXXX XXXX XXXX 0 % The XXXX XXXX XXXX {$60.00} has violated my rights. 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 a account without written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate 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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 2022-10-31
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:
Someone keeps opening accounts under my name which are open fraudulently they are not mine they already wasted XXXX dollars on the 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 2022-09-13
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XX/XX/2022, I received a letter from ERC stating that I owe XXXX XXXX XXXX {$170.00}. I called on XXXXXXXX XXXX  @ approx. XXXX and spoke with XXXX XXXX ( name given to me ) and clearly stated that I have never has XXXX XXXX XXXX. I informed her that I have never lived at the address in question and that wasn't my the SSN. Additionally, she stated that I would NOT get anymore notices. 

Well today, XXXX XX/XX/2022, I received another notice stating that I owe {$200.00}. I called and spoke with XXXX XXXX ( I think he said XXXX ) @ XXXX and he gave the same address and last four of the SSN, which I have never lived at the address in question and the SSN was incorrect, not belonging to me. 

How can I stop ERC from sending me this info? I have proven on two occasions that the bill does not belong to me. As I mentioned to both representatives, I have a common name and i assume that someone in the company looked in the phone bill and found a that name under XXXX, Ga, which there are about three of us with the same names but different SSN. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Experian Information Solutions Inc.
State: PA
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:
Hello my name is XXXX XXXX. I am writing to delete the following information from my life. Ive been trying to start up a new business venture and this has been holding me from doing so. Ive already went through this process once and it is still on my report. The fair credit reporting act was intended to ensure that you exercise your grave responsibility with fairness, impartiality, and respect for the consumers right to privacy! As it relates to confidentiality, accuracy, relevance and appropriate use of such information, Congress requires you to develop reasonable processes for addressing the needs of commerce in a way that is fair and just to me. You have violated my right to PRIVACY which is a direct violation of the FCRA and the XXXX XXXX XXXX XXXX! I did not consent or authorize for you, or the people mentioned in my attached documents to use or share my non public info info. No consent or authorization is IDENTITY THEFT which i demand to Cease and Desist! Pursuant to 15 usc 1681a ( 2 ) congress makes it very clear that a consumer report does not contain any transactions or experiences. As a result I am demanding for the following transactions and or experiences to be updated in accorance with my following instructions I noticed this problem on XX/XX/XXXX ATTN : XXXX, XXXX, EXPERIAN Accounts : Account name : XXXX  XXXX When the account was opened : XX/XX/XXXX Account balance : {$4900.00} Inquiries : Inquiry name : XXXX Inquiry date : XXXX XXXX Inquiry name : XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX  Inquiry date : XX/XX/XXXX Inquiry name : XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Pursuant to XXXX XXXX XXXX XXXX ( a ) you have 4 days from the date of this notice ( XX/XX/XXXX ) to comply with my demands in the text above. This will be my first and last attempt to resolve this issue! 

Sincerely, 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 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Complaint : Both XXXX and Transunion Credit Bureaus have failed to verify the account listed below within the allotted time per the standards of the Fair Credit Reporting Act ( FCRA ). 

Background : I filed a dispute with both XXXX  and Transunion per the FCRA, Section 609 ( a ) ( 1 ) ( A ). In my letter, I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file for this account. In my dispute, I also demanded the account be Verified or Removed immediately : Account Name : RECEIVABLE ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Additional Facts : Both XXXX and Transunion received their Certified Letters on XX/XX/2020 ( See Attachment ) Deadline to Provide Verifiable Proof : XX/XX/2020 As of XX/XX/2020, Neither XXXX  or TransUnion have provided Verifiable Proof that meets the standards of FCRA XXXX and this account still remains on both my XXXX  and Transunion credit reports.

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 2023-01-21
Company: AR Resources, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have contacted this company at least three times since seeing the debt collection on credit report, XX/XX/2022. The first time I contacted them was on XX/XX/2022. I have tried to dispute this debt via XXXX XXXX, as well. When I contacted the company, I was interest in the amount of debt and getting any information about the debt such as the original contract with my information on it, the creditor information, payment history ( itemized bill ), and the proof of ownership for the account. I am actually in the process of writing a letter to the company instead of doing it verbally as I have been doing it. They are in violation, as it has been more than 30 days since I asked for any of the above information. This violates the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protested consumer rights to privacy and confidentially under 15 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Date opened XX/XX/XXXX Collections {$3900.00} 15 U.S.C 1681 Section 602A states I have the right to privacy. 
! 6 U.S.C. 1681 Section 604A Section 2 It also states a Consumer Reporting Agency can not furnish a account without my written instructions. 
15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No Consumer Reporting Agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the reporting by more than 7 years. 
15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any. Consumer Reporting Agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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