BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 would like the removal of my fraud alerts in which I have already requested

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
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: Personal information incorrect

Complaint:
I sent a letter to XXXX, XXXX, and transunion about incorrect personal information on my credit report XX/XX/2020 and i still havent recieved a response and by law u have 30 days or it is to be deleted and its been well over 60 days

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 2023-01-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 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 15 U.S.C 1681 section 602 A. States/ 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. 16818-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
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:
Im reaching out because on the dates of XX/XX/XXXX, I formally tried disputing fraudulent and erroneous accounts and personal information directly with TRANSUNION, in removing them from my credit profile. 
Transunion is still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from XXXX  data breach- that Im apart of or a mixed credit file of another consumer.This is an automatic FCRA violation of not properly handing my dispute because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 

Remove the following addresses from my report as they do not belong to me. In addition, DELETE any INVALID ACCOUNTS or DATA associated with this address as they dont belong to be me neither as being RELATED : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Original Creditor : XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$3400.00} Original Creditor : XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$5900.00} Collection Agency : XXXX XXXX XXXX   Original Creditor : XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$610.00} Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX  Open Date : XX/XX/XXXX Balance : {$14000.00} Collection Agency : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX Open Date : XX/XX/XXXX Status : XXXX  Balance : {$110.00} Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX Status : XXXX Amount : {$0.00} Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX Status : XXXX Amount : {$0.00}

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 explanation
Consumer complaint received 2020-12-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2020, I submitted a request to the 3 bureaus to have a specific accounts investigated and verified. I then sent follow up letters on XX/XX/XXXX and XX/XX/2020, after the information was listed as verified, and I asked for proof of verification. None was provided and the account misinformation is still being reported inaccurately. On XX/XX/2020, I asked the bureaus to provide validation of the debt being misreported, I then followed up with a letter on XX/XX/2020, both received no response and no correction of misinformation on the reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: The Receivable Management Services LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had contact Receivable Management about XXXX dollar debt. I have requested for a validation, they still havent verified nor validate my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
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 is missing that should be on the report

Complaint:
missing my XXXX AU card of {$25000.00} please add it

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 2023-01-15
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXXXX XXXX AR XXXX XXXX Account number XXXX XXXX of XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXXXX XXXX XXXX XXXX Account number XXXXXX XXXX XXXX XXXX  Account number XXXXX XXXX XXXX XXXX Account number XXXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
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: Old information reappears or never goes away

Complaint:
I do not owe any debts to XXXX XXXX. This company has violated my rights under the FCRA. XXXX XXXX by law had a responsibility to notify in writing of any debts owed to them prior to reporting to any third party credit agencies. They did not do so and can not provide any written documentation addressed to me. 

I filled for bankruptcy In XXXX of XXXX. XXXX claims that the debt owed to them is from XXXX. If that was true when I filled for bankruptcy in XXXX of XXXX XXXX XXXX had a legal obligation to appear in court and file for anything they felt was owed. They did not because they I did not then or now owe a debt to them. 

Also, because my bankruptcy was public my address was on file for XXXX XXXX to contact me regarding the debt. This debt is not owed. This is not a valid debt. Any further attempts to collect this debt will result in legal action against XXXX XXXX for violating my rights.

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 2018-03-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was away in XXXX for 10 years when I came back home in XX/XX/XXXX I tried to get an apartment. I contacted all the companies that said I owed and they all said I still have to pay it or my credit will be ruined and possibly be sued. I spoke to my lawyer and I was afraid of going back to XXXX. He told me to reach out to you for help. This all happened from XX/XX/XXXX- to recent. I never had credit. 

XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late XXXX XXXX Status Closed Balance {$450.00} Type Unknown Payment Status Late Do you see errors in your report? SEE OUR DISPUTE GUIDE XXXX XXXX Status Closed Balance {$0.00} Type Unknown Payment Status Late XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late XXXX XXXX XXXX Status Closed Balance {$7100.00} Type Collection Payment Status Late XXXX XXXX Status Closed Balance {$2400.00} Type Unknown Payment Status Late XXXX XXXX XXXX Status Closed Balance {$11000.00} Type Collection Payment Status Late XXXX XXXX XXXX Status Closed Balance {$270.00} Type Collection Payment Status Late PORTFOLIO RECOV ASSOC XXXX Status Closed Balance {$6300.00} Type Collection Payment Status Late XXXX XXXX   XXXX Status Closed Balance {$9600.00} Type Installment Loan Payment Status Late

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My personal information incorrect I can't uptain credit keep getting denied Data systems generated an change my personal information to undefinable identity that incorrect can't even use my social security number with out saying don't match or record we have on file basically my social security number is no longer available for me it's in another identity so I know longer can use it no more I'm lost confused due theft they refusing to take my personal information out Alabama law enforcement data systems need my personal information removed from out the Alabama database background illegally incorrect information an they keep arrested me I'm victim bad

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: DISCOVER BANK
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Discover Financial Rep responded from Delaware and he indicated he would let me know why I was turned down. He did not, just sent the attached letter -- indicating I call XXXX. They had one error on there and I have just disputed it. It was a mistake and a letter went to XXXX  prior to this to tell them to remove it, they didn't look at the letter. 
I meet the credit scores even with this on, but it will be taken off as well. 
I have attached the letter from XXXX at Discover, no indication as he stated in his response back to CFPB. ( if it lets me attach )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, 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 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 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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am writing to formally dispute and determine the presence of identity theft on my TransUnion credit bureau report. It has come to my attention that my credit report contains fraudulent accounts that are a direct result of identity theft. I am determined to rectify this situation promptly and restore the accuracy of my credit profile. The following fraudulent accounts have been erroneously listed on my credit report : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and Bankruptcy 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 2023-01-23
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX has violated my rights. 

15 USC. 1681 section 602A. States I have the right to privacy.

15 USC .1681 section 604A section 2 : It also states a consumer reporting agency can not furnisha account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid for a bond that worked as a security deposit ( XXXX ) at move in that covered an amount up to {$1000.00}. I sent this documentation to the original leasing company and never got a reasonable response. The only charge at move out was for {$120.00} for cabinet cleaning. This charge is not owed by me, as it needs to be charged to the deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, 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 my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: BB&T CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2018 a unauthorized charge on my debit card of XXXX for XXXX   was made. 
This charge was not made or initiated by me in any way. 
On XX/XX/2018 I called my bank BB & T to immediately let them know this charge was unauthorized it wasnt me. I was told to wait until the charge stop pending and fully clears. 
Now I did not have {$410.00} in my account my account was overdrawn {$240.00} extra dollars. Which left my account in a negative {$160.00} due to me enrolling in overdraft protection. 
Now in that process waiting for the transactions to clear so I can file a unauthorized dispute XX/XX/XXXX BB & T charged me XXXX in over draft fee which overdrawn the account XXXX XX/XX/XXXX I filed a dispute with my bank for a unauthorized charge to my card of {$410.00} via online system XX/XX/XXXX I was charged another {$36.00} in over draft fees XX/XX/XXXX I was charged yet again another {$36.00} dollars in over draft fees On XX/XX/XXXX I called the bank to see what was going on with my dispute and why I havent recieved any credit to my account or my over draft fees return. 
I was told by the bank representative that the dispute was denied. I responded how I did not make the purchase I did not initiate it it was unauthorized. I then got a answer of them telling me its nothing they can do. And it will be a client lost I then contacted CEO branch of BB & T and they are further investigating Keep in mind my account is still over drawn at XXXX at this time I still have yet to have my problem solve or credit or refund on theover drafts fees I have absolutely no money to my name and a Want this resolved I shouldnt have to add money to my account to use it. 
XXXX XXXX cash stole my debit card information and initiated a {$410.00} transaction with no consent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are inquiries on Equifax report that I did not consent to. 

Equifax Mortgage Ser Inquiry from XX/XX/2021 XXXX  XXXX Inquiry from XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: CA
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:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of, this data breach and XXXX has done nothing. Please help me delete these illegal accounts From my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Student loans

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