BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-08
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:
Upon reviewing my updates, unauthoroized inquiries are being reported to my personal credit file. The XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; 1. XXXX Inquired on XX/XX/XXXX 2. XXXX XXXX XXXX Inquired on XX/XX/XXXX 3. XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX 4. XXXX XXXX Inquired on XX/XX/XXXX 5. XXXXXXXX XXXX Inquired on XX/XX/XXXX 6. XXXXXXXX XXXX Inquired on XX/XX/XXXX 2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I'M SICK AND TIRED OF THIS NONSENSE! AFTER I FILED FOR BANKRUPTCY IN XXXX, IT HAS COME TO MY ATTENTION THAT DUE TO A BREACH IN DATA SECURITY, MY INFORMATION INCLUDING MY SOCIAL SECURITY NUMBER HAD BEEN STOLEN ( CIRCA XXXX ) AND FRAUDULENTLY USED! I PAID XXXX XXXX  TO HELP SECURE MY INFORMATION. I HAVE RECENTLY BEEN MADE AWARE THAT XXXX  IS NOT A REPUTABLE COMPANY. THEREFORE, MORE OF MY PERSONAL INFORMATION HAS BEEN STOLEN!!! I WAS INFORMED THAT A CAR LOAN HAD BEEN APPROVED BY A PERSON USING MY SOCIAL SECURITY NUMBER! I HAVEN'T HAD A DRIVER 'S LICENSE SINCE XXXX!!! FURTHERMORE, ALTHOUGH I HAVE SENT ORIGINAL SOCIAL SECURITY CARD ... XXXX AND XXXX W2 ORIGINAL FORMS WHICH PROVE THAT I HAVE BEEN SOLELY RESIDING AT MY CURRENT ADDRESS IN XXXX SINCE XX/XX/XXXX, XXXX UTILITIES BILL XXXX AND XXXX, MY GOVERNMENT ISSUED PASSPORT, MY WORK ID, AND A COPY OF MY BANKRUPTCY STATEMENT XXXX, MY XXXX CABLE BILL WHICH HAS MY ADDRESS ... ALL THREE CREDIT BUREAUS REFUSE TO SEND ME MY CREDIT REPORT!!! I AM A VICTIM OF BOTH CREDIT FRAUD AND THE THREE CREDIT BUREAUS!!! I WILL NEVER BE ABLE TO HAVE THESE FRAUDULENT CHARGES REMOVED FROM MY CREDIT FILE. SINCE MY BANKRUPTCY XXXX, I HAVEN'T ANY OUTSTANDING ACCOUNTS. I DEMAND THAT I BE PROVIDED MY CREDIT REPORT SO THAT I CAN LEGALLY CONTEST THESE CHARGES!!! MY INFO WAS COMPROMISED BY A COMPANY WHICH WAS CONNECTED TO XXXX XXXX. I AM TIRED OF BEING VICTIMIZED. I AM A XXXX MAN WHO HAS BEEN VICTIMIZED ALL OF MY LIFE. I BELIEVE THAT THESE THREE CREDIT BUREAUS ARE JUST AN AMERICAN EXTENSION OF 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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
XXXX is reporting a {$27000.00} balance on my account, and showing it as a charge off on all XXXX major credit bureaus. My online XXXX account shows they received over {$14000.00} for my vehicle that was illegally repossessed. It shows the payment posted on XX/XX/XXXX, yet on XX/XX/XXXX they also again reported a {$27000.00} charged off balance, instead of the {$9000.00} balance that my XXXX account shows. They also still have not subtracted my service contract amount of {$3500.00} that I was not allowed to use, never used and never received paperwork on. I have disputed this since I purchased the car in XXXX because I was forced into it after being told it came with the new car purchase, which is deceptive practices. I was never notified of the sale of my vehicle either. I want XXXX to completely delete this account from my credit report immediately since they have continually reported wrong information and refused to fix it. There is no reason that they should be allowed to continue to cause me further financial and credit harm.

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 2015-08-20
Company: First National Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Responded to initial contact letter with a timely debt verification request. Collection agency continued collection activity ( calls and letters ) before responding to the debt verification request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted XXXX, equifax and XXXX about the error on my account multiple times, last time being a letter sent in XX/XX/XXXX and just recently in XX/XX/XXXX. An apartment complex XXXX XXXX XXXX XXXX XXXX XXXX ) exposed me to toxic mold and agreed to not charge me for leaving early if I didn't sue them for the XXXX XXXX XXXX I was experiencing. They still sent a charge of about {$2400.00} to collections. They refuse to show me documentation explaining why these charges are legitimate. It has impacted my credit score since XXXX and has damaged my financial future since as it is the only mark on my credit score and it was my first apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Tri-State Adjustments, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX XXXX, 2020, TRI STATE ADJUSTMENT IN add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA TRI STATE ADJUSTMENT IN has violated my rights as a consumer and I requesting legal action to remove this account immediately.

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 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent a few letters, to be more specific since XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XXXX explain and also sending prof that they are reporting inaccuracies like re-age account and also balances that are wrong but they keep ignoring me and have not sent me correct info. 
Also to be more specific on " XXXX XXXX XXXX '', " XXXX  XXXX XXXX '', XXXX  XXXX, XXXX XXXX ''. this accounts have re-age and show inaccurate info.

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 2023-08-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase tripled our mortgage by completing an incorrect escrow analysis. They do not understand the nuisance of XXXX XXXX unique way of handling a XXXX  family home that has converted to a condo. Their analysis completed on XX/XX/XXXX assumes we will be paying a much higher tax rate than reality. 

They compounded this mistake by assuming our tax rate was XXXX at the last analysis. The combination of having at XXXX for XXXX  months and over estimating future taxes means their escrow analysis is around XXXX XXXX 

Despite repeated attempts to contact them about the analysis being wrong over the past 12 months they have not fixed the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX, XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX OH XXXX ; XXXX XXXX  Balance : {$4900.00} ; XXXXXXXX XXXX XXXX Balance : {$8200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$10000.00} ; XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4500.00} ; XXXX XXXX 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 explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions 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:
i have gotten a copy of my credit report. i have seen two hard inquiries on my credit report that was not authorized by me. XXXX XXXX XXXX XXXX XXXX 
i did not give any concern. they illegally violate 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 non-monetary relief
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: MO
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:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2019-01-11
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent {$300.00} via Money Gram online to my son through my savings account. On my money gram account I'm showing that the money has been ready for pick-up since XX/XX/18. However, there is no confirmation # and the money can not be picked-up without one. I tried multiple times to work with both my bank and money gram to either acquire the confirmation # so my son could pick it up or have them return the $ to my account. There does not seem to be a resolution forth coming from either of the merchants and I was hoping your office would be able to step in and help me find a resolution in this matter. Thank you for you time. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: OH
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:
I sent a letter out on XXXX to XXXX, XXXX, Equifax and XXXX here is my tracking number : XXXX however the credit bureaus said the completed the investigation and everything was 100 % accurate According to the law 15 U.S code section 1681a Definition rules of construction the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation personal characteristics or mode of living is obtained through personal interviews with neighbors friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information however such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to and how did they complete this investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The 3 credit report agencies have put me on XXXX XXXX XXXX  and with speaking to all three number of times refuse to tell me why my information was leaked with someone else. 

Also UPGRADE BANK APPROVED ME FOR A LOAN AND WITHOUT AUTHORIZATION OPENED A CHECKING AND IN MY NAME AFTER I SUBMITTED DOCUMENTS FOR A LOAN NOT A CHECKING ACCOUNT!! 

I WANT THE CFPB TO GET UPGRADE TO CLOSE THE ACCOUNT THEY WILL LOCATE WITH INFORMATION PROVIDE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX has my Capital one account showing negative until 2022 and there has not been a late payment in over 2 years. 

There is nothing showing late nor is my account negative for 24 months I 'm also filing with the FTC on XXXX for there reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Experian Information Solutions Inc.
State: NC
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:
AT XXXX XXXX  AND XXXX XXXX  ON XX/XX/19 I RECEIVED EMAILS FROM THE CFPB STATING THAT THAT COMPLAINT ID 'S WERE CLOSED/RESOLVED. AT XXXX XXXX  I SUBMITTED FEEDBACK ON A CLOSED CFPB COMPLAINT WITH EXPERIAN. IN THE ORIGINAL COMPLAINT, I STRESSED I WANTED NO ADVERSE ACTION TAKEN AGAINST ME. THESE DISPUTES WILL IN EFFECT HAVE BOTH COLLECTION ITEMS UPDATED ON MY CREDIT REPORT AS SOON AS THEY RECEIVE A RESPONSE FROM THE CREDITOR THUS TAKING MY SCORE DOWN AGAIN AS A RESULT OF UPDATES TO BOTH DEROGATORY ITEMS. I WIILL RECEIVE THE IMPACT OF NOT ONE BUT TWO UPDATES IF THESE ARE NOT CLOSED. IF THESE DISPUTES ARE NOT CLOSED IMMEDIATLEY, THIS WILL JUST BE YET ANOTHER PART OF MY ORIGINAL COMPLAINT.I HAVE SPOKEN TO TWO AGENTS XXXX AND XXXX. THEY CONFIRMED THE CALLER CALLED AT XXXX XXXX  TODAY STATING THEY WERE ME. I DID NOT MAKE THIS CALL. I ALSO WORK AND WAS WORKING ACTIVELY ON INBOUND AND OUTBOUND CALLS AT THAT HOUR AND WOULD NOT HAVE BEEN ABLE TO MAKE THIS CALL. I ALSO AM IN THE MIDDLE OF A MAJOR CREDIT PULL UNDERWAY AND WOULD NOT HAVE OPENED THIS DISPUTE FURTHER IMPACTING MY CREDIT PROFILE WITH ERRONEOUS UPDATES. THESE TRAELINES WHILE THEY SHOULD NOT BE REPORTING, I CAN NOT AFFORD THE IMPACT OF THESE NOT BEING PROPERLY RESOLVED AT THIS TIME. XXXX CLOSED MY CLAIM STATING THAT THE IDENTIFYING INFORMATION I PROVIDED DID NOT MATCH MY CREDIT PROFILE. THAT WOULD BE IN ACCURATE. IT WAS FURTHER CONFIRMED BY AN EXPERIAN REP XXXX THEY RECEIVED A REQUEST FROM THE CFPB AND DOCUMENTATION REQUESTING UPDATES ON MEDICAL DATA SYSTEMS TODAY. I INQUIRED WHAT WAS BEING REQUESTED IN THE DISPUTES AND I WAS TOLD THEY WANTED A STATUS OF THE ACCOUNTS. I REQUESTED THESE DISPUTES BE CLOSED IMMEDIATELY AND WAS TOLD BY XXXX IN DISPUTES THIS HAD BEEN CLOSED. HOWEVER I JUS RECEIVED A NOTICE FROM EXPERIAN ABOUT DISPUTES OPENED AT XXXX XXXX  AS NOW RESOLVED WITHIN XXXX HOURS! HOW CONVENIENTLY IN SOMEONE'S FAVOR OTHER THAN MINE. MY CREDIT PROFILE SHOULD NOT BE IMPACTED AS A RESULT OF THESE COMPLAINTS. THESE TRADELINES HAVE BEEN UPDATED AND MY SCORE WILL UPDATE AS IMPACTED BY TOMORROW AS A RESULT. I AM SENDING THIS TO THE ATTORNEY GENERAL 'S OFFICE. I WILL SEND THIS TO EVERY SUPERIOR OFFICE, DESK OR OTHERWISE UNTIL THIS IS RESOLVED AND YOU CEASE CAUSING HARM TO MY CREDIT PROFILE. SOMEONE IN EXPERIAN NEEDS TO GET TO THE XXXX OF THE PHONE NUMBER THEY WERE CONTACTED FORM TODAY AT XXXX. THEY NEED TO ALSO TRACE FROM WHERE THEY RECIEVED UPLOADED DOCUMENTATION FROM THE CFPB ON A UNRELATED COLLECTION TRADELINES

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 2023-06-07
Company: EQUIFAX, INC.
State: NY
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:
All 3 credit bureaus are reporting COLLECTIONS from the following unknown companies ; XXXX, and XXXX. All 3 bureaus are reporting these accounts without verification from these outsourced businesses plus they show inconsistent information to each other enforcing my belief that these accounts are not mine nor have I ever created an account with any of them, so these accounts are fraudulent. Many attempts were made for validation. No response was sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
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: Account information incorrect

Complaint:
Hello this is the final time im going to contact you guys to investigate this matter for me. ITS BEEN ALMOST A YEAR and these credit bureaus are NOT DOING THEIR JOB. Attached I am showing you a screenshot of my credit report showing all the violations these companies are violating. THEY ARE IN VIOLATION OF MAJORITY OF FCRA LAWS. They have also been reporting inaccurate information along with never sending me ANY documents to confirm this alleged debt THAT IS NOT MINE. 

They are in violation of FCRA the reporting of this account violates USC 15 1681 2C. IM SICK OF THIS REPORTING I AM LOOKING TO BUY A HOUSE AND MY MORTGAGE COMPANY TOLD ME TO CONTACT THESE PEOPLE TO EXPLAIN WHERE THIS CAME FROM AND NO ONE HAS GOTTEN BACK TO ME IM ANNOYED AT THIS POINT. DELETE THIS ACCOUNT ITS NOT MINE AND DOES NOT BELONG TO ME REMOVE IT. 

XXXX XXXX ACCOUNT NUMBER XXXX DELETE THIS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-03-23
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: Personal information incorrect

Complaint:
Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I recently obtained a copy of my credit report and noticed that my address and phone number are incorrect, in violation of the FCRA. 

My correct address is XXXX XXXX XXXX XXXX XXXX and I have attached a copy of my recent utility bill as proof of my correct address. 

I request that you remove the incorrect address and phone number from my credit report as soon as possible, in compliance with the FCRA. I understand that the FCRA requires you to investigate my dispute within 30 days and notify me of the results. 

Thank you for your attention to this matter.

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