BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-08
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I attempted to dispute this account but XXXX XXXX my access to do so. 
I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

XXXX name XXXX XXXX XXXX Account number XXXX Original creditor XXXX  I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

XXXX name XXXXXXXX XXXX XXXX  Account number XXXX I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

XXXX name XXXX XXXX XXXX XXXX Account number XXXX I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

XXXX name XXXX XXXX Account XXXX XXXX I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 
For this account I have been contacted by a collections agency I believe that my personal information has been compromised or sold. I did not authorize this company to access my personal information or credit file. 

XXXX name XXXX XXXX Account XXXX XXXX I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my 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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear TransUnion Why have I received another letter from your company stating that the accounts listed below were verified? 

XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. Date last active should be the same, fix or delete. 

XXXX  : Account number : XXXX, Account status is misleading : showing different per bureau. Date last active should be the same, fix or delete. 

XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. Date last active should be the same, fix or delete. 

XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. Date last active should be the same, fix or delete. 

XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. Date last active should be the same, fix or delete. 

XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. Date last active should be the same, fix or delete. 

XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. Date last active should be the same, fix or delete. 

XXXX XXXX | XX/XX/2022 : Account number : N/A, Account status is misleading : showing different per bureau. Date last active should be the same, fix or delete.

You told me to contact the furnisher and I did. You told me to go to the original source and I did, but they are not doing what they are supposed to do. Im getting quite stressed here. Im really thinking about contacting a consumer rights attorney to protect my rights because your company and the creditors are not investigating and reporting data 100 % accurately. There are credit reporting laws put in place to make sure your company is doing their job. Thats right I read this on the FTC website. I wont be a victim anymore. Im telling you that Im ready to move forward with this matter. I will do whatever I have to do if the above accounts are not fixed.

Im asking your company to do the right thing so this issue does not end up my attorneys office. 

CC : CFPB, FTC

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: IL
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I reported 21 hard inquiries and 3 addresses that are not mine to XXXX on XX/XX/23. 

False addresses on my account : - XXXX XXXX XXXX XXXX, NJ XXXX - XXXX XXXX XXXX XXXX XXXX NJ XXXX This address also opened and used XXXX XXXX under my name using account number XXXX. 
- XXXX XXXX XXXX XXXX XXXX, MD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 hope this letter finds you well. I am writing to bring to your attention certain inaccuracies present in my credit file and to request their immediate removal. Upon reviewing my credit report, I have discovered that some personal information belonging to another individual has been mistakenly included in my credit file. As a responsible consumer, it is of utmost importance to me that my credit file reflects accurate information at all times. 
In accordance with the Fair Credit Reporting Act ( FCRA ) and its provisions, I kindly request that you promptly remove the following inaccuracies from my credit file within the next 30 days. I am aware that you are obliged to address such requests within this timeframe, as stipulated under the FCRA : References to XXXX XXXX XXXX XXXXXXXX References to XXXX XXXX XXXX XXXX References to XXXX XXXX XXXX I believe it is crucial to highlight that by reporting these inaccuracies, you are potentially violating 15 USC 1681b ( a ) ( 2 ) of the FCRA, which states that a consumer reporting agency may only furnish a consumer report based on written instructions. The presence of these inaccuracies has had a significant negative impact on me and my family. Therefore, I am submitting this consumer complaint and consumer check for compliance, specifically regarding the items you are reporting under FACTA Title 1 sec. 151. 
I trust that you will treat this matter with the urgency it deserves and take immediate action to rectify these errors.

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 2023-11-05
Company: Experian Information Solutions Inc.
State: MI
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:
I have disputed this report ( XXXX ) several times for the inaccuracies Experian has violated 15USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates. Experian has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.

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 2018-01-22
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They will not remove from 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 2023-03-14
Company: Experian Information Solutions 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:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. Kindly correct or delete the following items in my file immediately : 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

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 2023-06-27
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I took out a XXXX 's card and set up automatic payments. The payments didn't go through and I never got an email or letter telling me until after I got a late charge. When I called, I gave them the exact same bank account information I had entered for the auto-payment to process the payment over the phone with the late fee and it went through just fine. The person on the phone said she couldn't find any reason in the system why my auto-payment didn't go through and that the account info matched, so she wasn't sure what the problem was, but that I was responsible for the late fee even though it wasn't my fault. I had enough money to cover the payment in my checking account, so that wasn't the issue with why it wouldn't go through. I then told her to cancel the card because I wasn't going to deal with this headache every month and the person on the phone said she cancelled the card. This morning, I got an email telling me that I had a payment due on this card. I looked and there was a {$2.00} interest fee. I just called them again and was told that as soon as I paid the {$2.00} my card was slated to be cancelled in the system. This feels like extortion. How many times do I have to cancel this card before they will actually let me?! She said she would reverse the {$2.00} fee and the card would cancel, but I have very little faith that this will actually happen. I am wondering what my recourse is if they try to charge me a {$30.00} late fee on top of a {$2.00} interest fee? I do not understand how it is legal for credit cards to take advantage of people like this. I will never get a credit card through Comenity again, and as soon as I can pay off the other ones that go through their service, I will be cancelling those, if they'll even let me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-08
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Their investigation did not fix an error on your report

Complaint:
Hello CFPB I was informed by my attorney that I could file a complaint on this site before taking action regarding FCRA and FDCPA violations against XXXX XXXX and Portfolio Recovery. I have the same issue with these XXXX companies. First off, they are both harassing me regarding an alleged debt. I've been getting disturbing calls and its causing me so much stress. Second, I have tried disputing information on my credit report. They are reporting different dates across all XXXX of my credit reports, such as date opened, date last active. Also the balance does not match the amount of the alleged debt they are trying to collect from me. I am tired of disputing these accounts, this is why I am reaching out to you because they claim to update the incorrect information on my reports but nothing has been fixed or deleted. This has been going on since XX/XX/2022 and I need your help to resolve this issue. Please reach out to these companies. I tried but they will not work with me in resolving # XXXX the harassment # XXXX the inaccuracies on my report. I also checked to see if they are licensed to collect in California and it doesn't seem like they are legally collecting here. Can you also investigate this for me? I do not owe this company any money. I have asked for verification with my signature and they have not provided anything that I am asking for. I hope to here from you soon. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
To whom it May Concern I received a copy of my credit report. To my surprise you are reporting these accounts incorrectly. These Collections accounts is reporting not only as open but also shows a past due balance. According to the FCRA i have the right to a accurate credit report. Please remove these accounts immediately from my credit report. 
Per the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) you are required by federal law to clearly and accurately disclose all information in my file at the time of the request. Please respond with Verifiable proof of an original consumer contract with any signature that you have on file for the accounts listed. I am the victim of identity theft which resulted some accounts being opened in my name. I have filed a report with the federal trade commission and i reported the issue to the companies where opened. Please remove the following accounts which were opened by fraud within 4 business days per FCRA section 605B ( a ) 1. XXXX XXXX XXXX # XXXX {$1100.00} 2. XXXX XXXX XXXX # XXXX {$420.00} 3. XXXX XXXX XXXX # XXXX {$230.00} 4. XXXX XXXX XXXX # XXXX {$3700.00} 5. XXXX XXXX XXXX # XXXX {$270.00} 6. XXXX XXXX XXXX # XXXX {$230.00} 7. XXXX XXXX XXXX # XXXX {$160.00} 8. XXXX XXXX XXXX # XXXX {$54.00} 9. XXXX XXXX XXXX # XXXX {$160.00} 10.XXXX  XXXX XXXX XXXX XXXX {$160.00} 11. XXXX XXXX XXXX # XXXX {$160.00} 12.XXXX XXXX XXXX # XXXX {$160.00} 13. XXXX XXXX XXXX # XXXX {$350.00} 14. XXXX XXXX XXXX # XXXX {$55.00} 15. XXXX XXXX XXXX # XXXX {$220.00} 16. XXXX XXXX XXXX # XXXX {$230.00} 17. XXXX XXXX XXXX # XXXX {$160.00} 18. XXXX XXXX XXXX # XXXX {$54.00} 19. XXXX XXXX XXXX # XXXX {$3600.00} 20. XXXX XXXX XXXX # XXXX {$160.00} 21. XXXX XXXX XXXX # XXXX {$6700.00} 22. XXXX XXXX XXXX # XXXX {$190.00} 23. XXXX XXXX XXXX col XXXX # XXXX {$620.00} 24. XXXX XXXX XXXX XXXX # XXXX {$330.00} 25. XXXX Account # XXXX {$5600.00} 26. XXXX XXXX XXXX # XXXX {$730.00} 27.

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 2023-11-15
Company: EQUIFAX, INC.
State: GA
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 protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 report by more than seven years.

15 U.S.C. 1681s-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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/2023 I received an email from XXXX XXXX notifying me about a new hard inquiry. The inquiry was from XXXX XXXX and I did not authorized this. Someone is using my social security number and this person is trying to open credit cards. I called the bank but it was too late to speak with the right department ( I called after XXXX ). However, the bank representative provided me with the right department phone number. I am going to call them on Monday since they are close over the weekend. This situation has put me in high alert since someone had try to open a credit card account with another bank ( XXXX ). I have put an alert on my TransUnion account and I filled a report on 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 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Requested that inaccurate, unvalidated " late payments '' be changed to " Pays as agreed '' or " ok '' on report. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX I assert that this reporting violates the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681a 2 ( A ) ( i ). According to this provision, this would fall under the bold-header of EXCLUSIONS, a consumer report does not include information solely about transactions or experiences between the consumer and the person making the report. Late Payments in this case would be considered as a XXXX / XXXX. In this case, XXXX. XXXX and Trans Union are in violation of FCRA Law. 
The inaccuracies in reporting late payments on my account, as per 15 USC 1681a 2 ( A ) ( i ), necessitate immediate correction. Ive sent a similar letter to the credit bureau listed above and have requested for the entry to be corrected to either Pays as agreed or OK. I request your office 's assistance in investigating this matter and ensuring compliance with FCRA guidelines. 
I believe your intervention will expedite the resolution of this dispute.

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