BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello I am writing with a severe cmplaint. There are a number of erros and collection files on my report that dpo not belong to me. They need to be removed ASAP. 
** XXXX XXXX - {$520.00} ** XXXX XXXX - {$430.00} ( Acct # XXXX & XXXX ) ** MEDICAL - {$75.00}, {$69.00} and {$59.00} ** XXXX XXXX XXXX - {$95.00} I have previously demanded the CRA remove these entries under my name or show just proof that they belong to me. I have never had an account with any of these companies and am again demanding that these entries be removed asap.

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 2021-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have submitted numerous complaints regarding the same accounts. I have provided the evidence that they have to remove the accounts. TransUnion in particular has opened the accounts back up which is 100 % ILLEGAL. They had the accounts as closed and charged off. Some accounts have other debit collectors with the same accounts as closed. How can you let them get away with this?

TransUnion has the items on my report but the other bureaus have removed the accounts because they found in the investigation to not have the information to verify the items. How can they remove them but TransUnion still have them as verified? Now TransUnion has opened closed accounts up and my score has dropped 90 points because of this. How can you open a closed charged off account? How can you have a debit for 3 different company 's on the same account? They have repeatedly posted inaccurate information on my report and at this point I think they should be fined.. I will provide the proof once again in the attachment.

1. The disputes letters 2. The removal of the accounts from the other bureaus ... 

Please remove the items and send me the confirmation letter. If not a law suit will follow. This is my last attempt to fix this situation. Its been almost 5 months since I notified you on the 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 explanation
Consumer complaint received 2021-01-09
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
File an complaint on my credit card account number XXXX my credit card was cutoff because of the primary was 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 2017-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I do n't believe the company investigated the validity of this dept and its connection to me.

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 2021-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX, Bank of America gave me a 30 day credit of XXXX to expire on XX/XX/XXXX, for bank acct. ending in XXXX. I had a stimulus deposit made on XX/XX/XXXX. When that deposit was made I transferred XXXX to account ending in XXXX, which was a new acct. I left XXXX in the acct. that the credit was given to. I called and asked them to take the XXXX out of those monies, but was told that there was no need to pay the XXXX until the credit expires on XX/XX/XXXX, I said okay. After talking to them I begin to transfer money from acct XXXX to acct XXXX to have access to a debit card because my new card for the acct XXXX had not came in the mail yet. As I needed to make purchases I would transfer that amount over to acct XXXX and complete my transactions. On XX/XX/XXXX, Bank of America begin taking money from the acct. XXXX saying I was in the negative when in actuality I wasnt because they gave me a credit to offset the XXXX due to expire on XX/XX/XXXX. There was two separate charges back to back. One in the amount of XXXX and another for XXXX. The explanation was that it was to offset my negative balance of XXXX, in which I had been given credit for. Ive been fighting with them since XX/XX/XXXX concerning this matter and theyre telling me they have the right without my permission to do what they will with my account. I explained to them that Im just coming out of XXXX XXXX and was depending on that money to pay bills. Im off from work. They still remain to take their stance that they can do what they will. My question is why have me set boundaries and limits on my accounts if you are not going to abide by those set in place. I dont have acct to acct overdraft protection. I did authorize money to be transferred from one acct to another. Can you please help get this resolved?

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 2015-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: EQUIFAX, INC.
State: DC
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 stated all the laws unto which has been violated.But most of all is 15 USC 1681s-2 ( a ), ( 1 ) ( a ) .They still have fraudulent claims on my credit report.Unverified but said it was, I requested all information of verification and I have not received it yet it has been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Experian Information Solutions 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:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2021-08-07
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: Personal information incorrect

Complaint:
Addresses and name on my credit report are incorrect. I do not live, or have i lived at those addresses. I will attach proof of my electric bill, showing my name and address. i do not live in Michigan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Maximus Education, LLC dba Aidvantage
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Received a letter from a Student loan consolidation that I thought was connected to the department of education, I called the number listed and was connected to an individual. after an hour and going into my fafsa to post a link I was given a 6 month installment plan of XXXX, i was informed after this 6 months they would write a check to my main Loan servicer to pay off over XXXX of my XXXX student loan. They took down all my personal information and my bank account to take the money out. My dad told me to do some research to make sure it was legit, I sent a email to the department of ED with a copy of this letter and was told they do not affiliate with this company, I believe they are trying to scam me out of money. I called my bank to place a stop on the remainder payments and put the one posted as a fraud to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: HW Holding, Inc
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hunter Warfield sent a collections letter to a fictitious address with misspelled name and other mismatched details to me. Then placed this item on my consumer credit report ( s ). I contacted them to provide my correct address/phone information & request validation and verification. Never received any validation or verification. Contacted again by email approx. a month later to launch ID theft dispute. Company requested two forms of ID. I sent a letter detailing the ID theft, photos of state and federal identity documents, FTC Identity Theft Report, and FTC notice to data furnishers letter. I sent several follow-up letters ; however, they will not remove the accounts and meet their obligation under the law. Disputed with XXXX  agency under FCRA, when XXXX contact collections agency they provided the details I used to initiate fraud claim to also substantiate initial debt reporting. Put simply, they verified the debt with information they requested from me to dispute it. I am forwarding a copy of this complaint to the XXXX  XXXX XXXX XXXX to compel a response from Hunter Warfield within 20 days, per XXXX  website their counsel will review both parties documentation, make a determination and consider appropriate action against agency. This report is now submitted for reference and resolution of account reporting concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25
Company: Experian Information Solutions 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: 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 XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2020-08-21
Company: Upgrade, 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:
I have spoken to the vendor regarding credit cards balance they have confirmed they have been reporting correct balance since XXXX  to credit reporting agencies. I have sent letters to all 3 credit reporting agencies since XX/XX/2020 but balance still has not been updated

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There is a XXXX XXXX credit card on my credit file, states I am an authorized user..I have never been a user on that account and do not have a card ( the account with a {$4000.00} balance ). I talked to XXXX XXXX and they have corrected it on their end but I need it removed off my 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 2021-01-09
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Equifax XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May  Concern : This letter is in response to your recent claim that XXXX XXXX XXXX  XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-03-25
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent in several letters with the proper documents to remove the incorrect information and it still remains on my credit file, I call in and they are very rude and disrespectful and constantly tell me I didnt send in any letters or documents when I clearly sent it certified and know they have it cause I check the tracking, this incorrect Information is injurious to my credit, its like Im wasting money sending certified letters and not getting any results this is not fair that experian is the only one doing this, its my knowledge that all 3 credit agencies should have the same information on file,XXXX XXXX XXXX XXXX  XXXX mo XXXX is not my address and is not on file with XXXX and XXXX these two only have one address on file and its my correct one experian will not put my correct address on file My only existing address is XXXX XXXX XXXX XXXX XXXX  XXXX mo 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 2021-01-09
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Equifax XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance.

I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in 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 2021-01-09
Company: AES/PHEAA
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This has been going on for 18 months. Fed Loan servicing is incorrectly reporting payments. I consolidated my student loan with XXXX in XXXX of XXXX, paying off Fed Loan completely. When we went to buy a house in early XXXX, we found that they were saying I was 120 days late as of XX/XX/XXXX. When we submitted a dispute, they told us it was correct. I went to check the emails they sent to my mailbox on their system and they were no longer available because the account was closed. They continued to report it wrong until I finally a lawyer involved. So he started to challenge the entries on my credit report and every time he does, Fed Loan servicing reports to my credit reports erroneously which then lowers my credit score even more. This is retaliation because we want them to report correctly and correct their mistakes. Eventually, they correct the mistakes, but it does not correct the damage they have done. It has happen again where they are saying I am 120 days late as of XX/XX/XXXX when they were paid in full in XXXX of XXXX. 

This is costing me the chance to buy a house and thousands in high interest rates. I don't know where else to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
the accounts showing incorrectly on my credit report I had nothing to do with, I am a victim of identity theft, and this complaint is not made in error

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