BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-08
Company: EQUIFAX, INC.
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:
all three reports have been reporting different dates since the have been reporting on my reports, I asked for proof of accuracy and they can't. Literally when i call they confirm that they can't. I don't understand how I was never billed for these accounts yet they are reporting reporting not only late/closed but also a collection ( can it even be both? ) I went to refinance my house and they told me I had derogatory remarks and was not rejected. At this point I'm not use what to do get justice, this is information is inaccurate and  completely false. You can not report inaccurate information this a violation.if the law can't help me who or what will? Please investigate that this account is reporting 100 accurate i see so many errors which is a FCRA violation XXXX and equifax are reporting the same dates and  XXXX another. I told them about it and they still are violating me by listing misleading information. I can't believe this is my life right now I can lose the roof over my head due to these false accounts. As soon as possible I need these accounts updated by remove all late payments and change the payment status to current because of Cares Act or deleted at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
all three reports have been reporting different dates since the have been reporting on my reports, I asked for proof of accuracy XXXX  they can't. Literally when i call they confirm that they can't. I don't understand how I was never billed for these accounts yet they are reporting reporting not only late/closed but also a collection ( can it even be both? ) I went to refinance my house XXXX  they told me I had derogatory remarks XXXX  was not rejected. At this point I'm not use what to do get justice, this is information is inaccurate XXXX  completely false. You can not report inaccurate information this a violation.if the law can't help me who or what will? Please investigate that this account is reporting XXXX accurate i see so many errors which is a FCRA violation XXXX  XXXX  XXXX are reporting the same dates XXXX  TransUnion another. I told them about it XXXX  they still are violating me by listing misleading information. I can't believe this is my life right now I can lose the roof over my head due to these false accounts. As soon as possible I need these accounts updated by remove all late payments XXXX  change the payment status to current because of Cares Act or deleted at once.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account # XXXX, # XXXX XXXX XXXX h

as 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 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 2021-06-16
Company: PORTFOLIO RECOVERY ASSOCIATES 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 belongs to someone else

Complaint:
I have a outstanding balance of {$390.00} showing on my credit for a XXXX XXXX credit card that was opened last year. It's now in collections with Portfolio Recovery. I have tried to dispute it several times and they keep marking my credit every month. This was not opened by me this is fraud my last credit card from XXXX XXXX was over 10 years ago. It's closed completely and no longer showing on my credit. Can you please remove this off my XXXX and my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: EQUIFAX, INC.
State: AZ
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:
Collection added to my credit report a collecting in amount of {$100.00} I sent Information sent this is not my account it was removed and then added back with new company XXXX XXXX i 'm disputing this and requesting that this be deleted from my credit report XXXX XXXX this was added onto my credit report I sent an information showing that it was not mine they took it off for a month or two and now when I look at my credit report is back on there for them out at {$200.00} i 'm requesting that this be deleted from my credit file Collection on credit report from XXXX XXXX and XXXX  sent information and stating that this is not my information this is not belong to me and it was not removed or nor was it investigated requesting that this be deleted from my credit file All three of my credit reports have significant inquiries that I did not get permission for anyone to run my credit I am requesting and have requested from all three  bureaus to remove these from my credit file there still on there I 'm requesting that all inquiries be removemycredit file

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX, CA XXXX I have no clue who 's address this is.. why is it on my personal information. I jave never lived at this address or know anyone. 

I am afraid someone might be commuting fraud with my name from this address. Please take this off my personal information!!

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 2021-06-16
Company: EQUIFAX, INC.
State: LA
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
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 Account # XXXX, # XXXX XXXX  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 2017-07-02
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account information incorrect

Complaint:
inaccurate date opened. my son was born on XX/XX/XXXX and it went delinquent before he was born. They lender must wait 6 month before the sell to a collection agency and the time is off by more then 6 months which reflects in a date open gap of 6-10 extra months ontop of the 6 month waiting period Opened XX/XX/XXXX ( 3 yrs, 11 mos ) Account status Open Type Responsibility Individual Remarks Collection account Original Creditor Name XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have done business with people involving my music and people sent money to me thru ach transfers and now they put a 888 hold on my account expecting fraud and I need to bring people in to confirm when I shouldnt have to do that the amounts of the transactions are less than XXXX. I dont understand why they wouldnt of contacted me the first time it happened in XXXX but I need my funds to be accessed 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 2019-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/ 2019, I requested an investigation on one of my accounts that showed an erroneous payment status the last three months the account had a balance on it before it was paid in full. 

The agency corrected this error by verifying my concerns with the creditor and all payment status for this account is accurate. However, the credit reporting agency ( TU ) placed a conflicting summary ( Remark ) of the investigation on this account that could be misleading to a potential creditor. I have asked TU on two separate occasions, in XXXX and XXXX, for the Remark to read in proper context and accuracy. The current Remark reads, " DISP COMP-CONSUM DISAGRS ; CLOSED ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accurate information on my credit report. Accounts below are not my. FTC volition. 

XXXX XXXX XXXX XXXX XX/XX/XXXX amount {$750.00} XXXX XXXX XXXX XX/XX/XXXX amount {$700.00} XXXX  XXXX XXXX XXXXXXXX XX/XX/XXXX amount {$1100.00} XXXX XXXX XXXX XX/XX/XXXX amount {$5100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$300.00} XXXX XXXX open XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX open XX/XX/XXXX amount {$470.00}

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 non-monetary relief
Consumer complaint received 2017-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
XXXX loans went into repayment XX/XX/XXXX. The consolidated monthly payment across the XXXX loans is {$410.00}. The very first payment ( i.e. XX/XX/XXXX ) was incorrectly applied entirely to XXXX XXXX specifically, the XXXX/XXXX/XXXX dated ) of the XXXX loans vs. being distributed across all XXXX to meet each 's minimum due. This issue was corrected after a call to XXXX in XX/XX/XXXX - the solution was that they went back and reapplied theXX/XX/XXXX payment to the appropriate loans. InXX/XX/XXXX, I observed that my credit score had taken a hit due to a > XXXX day overdue balance on a XXXX loan account. After investigating, it became apparent that the reapplication of that XX/XX/XXXXpayment had caused theXX/XX/XXXX loan to look like it was in default. I opened a dispute with TransUnion, provided a similar description as above, and additionally mailed printed copies of the XXXX XXXX statement to show " good standing '' as well as proof of each monthly {$410.00} payment betweenXX/XX/XXXX and XX/XX/XXXX. I also confirmed with XXXX over the phone that all accounts were in good standing and that my assumption about the cause of the issue was probably correct. They indicated they would send a dispute form to me to fill out and return to correct the issue - they never did.

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 2017-07-02
Company: JPMORGAN CHASE & CO.
State: WA
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 XXXX XXXX, 2017 I contacted chase at XXXX. The Internal Recovery Department offered full settlement on both accounts for a total of {$1800.00}. I paid the account in full over the phone by checking debit ACH which succeeded. <P/>{$850.00} 60 % XXXX {$1000.00} 60 % XXXX XXXX {$1800.00} PAID XX/XX/XXXX Chase updated the accounts at XXXX, XXXX, and XXXX by showing I made a payments for {$850.00} and {$1000.00} but did NOT show the account as paid in full. I have exhausted the dispute process with all 3 bureaus and Chase has 'verified ' the accounts as accurate which is incorrect. <P/>I am hoping the CFPB can assist me in correcting the inaccurate and false reporting which violates the FCRA and hurts my score. I settled these accounts with the bank and it is only fair they are accurately reported to the three bureaus. <P/>I have attached a copy of my credit report for the three bureaus as well as the particular accounts for XX/XX/XXXX as samples.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am XXXX XXXX and I am submitting this complaint myself. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: NM
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2020-02-19
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: Information belongs to someone else

Complaint:
I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN A NUMEROUS AMOUNT OF ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION. 
I AM HAVE BEEN UNDER A LOT OF STRESS BECAUSE OF THIS AND I FEEL LIKE MY LIFE WILL REMAIN AT A STANDSTILL UNTIL THIS SITUATION IS RESOLVED. MY FUTURE DEPENDS ON THIS MATTER BEING RESOLVED SO I AM ASKING THAT ACTION TAKES PLACE IN A TIMELY MANNER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XXXX Redeemed XXXX XXXX XXXX XXXX points for {$25.00} to be applied to mortgage held with Fifth Third Bank. Told to allow up to 14 days for redemption to post. 

XXXX 18 days ( 4 days past deadline ) and redemption is still in " In-Progress '' status. 

XXXX Filled out " contact me '' form. Asking to find out why redemption has not posted. 
Told to expect a response within 48 hrs. 
XXXX Still no response so I filled out another " contact me '' form XXXX I missed the call from XXXX. I called back and left a message to call me back. 

XXXX Representative called. She said they had tried to call back on XXXX numerous times - however that number was no longer in service ( land line # that I had discontinued over 3 yrs. ago ). I don't understand why the old land line phone number was the one on file. Everytime I would redeem points I was required to put in my phone number - which was my current cell number. 
I asked why they didn't send me an email telling me they needed an updated number. Again - every redemption requires an email verification. Rep agreed that they should have attempted sending an email. 
Rep. told me a priority email would be sent to the Mortgage dept asking for an explanation. That a response should be forthcoming within 48 hrs. 

XXXX 48 hours have gone by - no response - no phone call. 

XXXX I called XXXX XXXX XXXX about lack of response. Rep. stated that they indeed had had no response. They would send a flagged email to 5/3 Mortgage Dept and that they should have a response within 48 hrs. 

XXXX Call from XXXX XXXX XXXX XXXX rep. ( over 5 days past due ). That the Mortgage Dept. had posted the {$25.00} toward my mortgage. I questioned this as the status is still " In-Progress ''. I stated that I believe this posting was for a new redemption I applied for on XXXX. I was assured that this was not the case. 

XXXX Checked status of redemptions. The redemption from XXXX is still " In-Progress ''. 
The redemption from XXXX is " Completed ''. 
So XXXX still has not applied my redemption request from XXXX - now over 3 weeks past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed 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 2017-10-24
Company: TekCollect Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I spoke to a man at Tek Collect inc. that said " May I speak to XXXX ''. I did not identify who I was, I asked him who was calling.. He said XXXX were calling to collect on a debt. I told him that I had not identified myself. He yelled did you pay the bill or not. Then he hung up in my face. He was rude and condescending.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: EQUIFAX, 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 reached out to Equifax and advised I was A victim of identity theft ( Attached identity theft report ) and as A result there are multple hard inquiries on my credit report that are fraudulent and that I did not authorize. The company said they did A in investigation after I submitted my dispute and none of the fraudulent hard inquiries where removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: STERLING JEWELERS, INC.
State: IL
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:
I have two addresses that I have never resided at. There are old accounts still showing that should have dropped off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation