BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Upon reviewing an updated copy of my Credit Report, I immediately noticed that the Credit Bureaus hever took action and ignored my letters requesting the removal of the disputed items. I believed that this issue had been resolved because of the written letters I had sent to the credit bureaus. My last letter to the credit bureaus, which I sent in the hopes that they would act and take notice of my Disputes, was sent on XX/XX/2022. I am disappointed and frustrated to see that no changes were made to correct the erroneous reporting of the Disputed items on my Credit File. The Fair Credit Reporting Act section 605b requires the credit bureaus to remove items that the consumer believes were acquired as a result of identity theft, and by disregarding my appeals, the credit bureaus have violated this provision. I've informed the FTC about the identity theft, and I've been included the Identity Theft Report I obtained in my correspondence with the credit bureaus. I'm submitting this complaint to ask the Credit Bureaus to look into it again and properly confirm the accuracy of the information being reported on my credit file this time. The credit reporting companies have let me down in the past, and if they continue to refuse to remedy their blatant disregard for the FCRA regulation, I will be left with no alternative but to file a lawsuit. I need the following things removed right away. I need the following items deleted immediately : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX C XXXX XXXX XXXX AV XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX Owed : {$130.00} XXXXXXXX XXXXXXXX Balance Owed : {$980.00} ACCT XXXXXXXX XXXX  XXXX Balance Owed : {$51.00} ACCT XXXX XXXX  XXXX Balance Owed : {$70.00} XXXX XXXX Balance Owed : {$170.00}

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 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX / XXXX / {$62.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-07-14
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:
I received a letter from CFPB on XX/XX/2022, that you closed my complaint to protect myPRIVACY. I called TransUnion, XXXX, and XXXX after I purchased a credit report fromXXXX  on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLEitems on my personal profile, I noticed that there were Names : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX FAIR AV NORTH XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX. Accounts : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Balance : $ XXXX : XXXX XXXX my credit report which are UNKNOWN to me. This isdisappointing because I have been paying XXXX XXXX to get a report every month and Ihave been disputing fraud items on my credit report all this time. One of the staff told me tovisit https : //www.ftc.gov/ and Report the Fraudulent items and have them BLOCKED ORREMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) thecredit bureaus are required to remove/block any item which was opened without myknowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of theidentity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of suchinformation by the consumer; and ( 4 ) a statement by the consumer that the information isnot information relating to any transaction by the consumer. 
A copy of my Driver 's License, Social Security Number and Proof of Address are all included in this complaint. I want you toknow that I am telling the truth and by TransUnion, XXXX, and XXXX not blocking theseitems are inadvertently resulting in me being extorted.

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 2017-09-07
Company: Andrews & Cox, P.C.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX I received a Summons for none payment totally {$6200.00} from a collection agency. I was given so many days to respond. I called agency on XX/XX/XXXX and set up a payment plan to satisfy my debt. I would pay {$220.00} by the XXXX of every month until debt was satisfied. I received paperwork to fax or mail back I did both to ensure paperwork got to them. I paid three months of payments on time each month. On XX/XX/XXXX I received my paycheck and I had a garnishment applied to my wages from that collection agency. I called agency immediately, I spoke with a supervisor. He informed they had made several errors and he would " e-file '' the court to have them fix it. The judgment was for the full amount of {$6200.00} and my bank account had a freeze on it. At no time did this agency inform me while making my monthly payments of any impending judgments against me. Total payments taken from this agency was {$450.00}, the last payment did not go thru due to my bank levy. The {$450.00} was not included onto my total amount due in the courts final judgment. Total judgment was {$6200.00}. I feel this is a deceptive practice and negligence on their part. I complied with the agreement and they did n't and neglected to tell me anything about my account each month. I called on XX/XX/XXXX and made the payment, the representative neglected to tell me they had placed a hold on my bank account on XX/XX/XXXX. I still have the garnishment, the agency assured they would take of this immediately. That was onXX/XX/XXXX it is now XX/XX/XXXX bank account still has the levy on it and I am expecting to still have my wages garnished for several more pay checks due to the lack of response from this agency. The finance dept. of my employer said it takes several pay periods for this to be corrected. Only after receiving the courts paperwork to fix the problem. I called the court on XX/XX/XXXX they had not received anything from agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: CCS Financial Services, 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: Was not notified of investigation status or results

Complaint:
I had sent a letter to this Creditor asking for verification of this debt, the original signed contract as well as payment history for the account. It 's been over 45 days and I have not received any notifications or validation of this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Experian Information Solutions 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 dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit 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 2022-07-14
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: EQUIFAX, INC.
State: SC
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've been disputing these inaccurate items on my account long before, and until now, no response from the three bureaus and creditors themselves. On XX/XX/2022, I filed a dispute again with the three bureaus concerning several incorrect items, but it had been a month already still got no response. They still trying to collect me with these amounts of {$640.00}, {$1300.00}, {$740.00}, {$730.00}, {$1300.00} in an inaccurate manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 Navy Federal Credit Union Closed my checking, savings, and credit card account after being a long term good standing account holder. I contacted NFCU and asked why my accounts were closed without any warning or reason given. 
After speaking with NFCU 'S security department I was given a timeframe of 10 business days to investigate and and resolve the issue of my closed accounts. The representative stated that someone opened a navy federal account using my similar personal information. 15 days later I contacted them still without any explanation as to reason why the accounts were closed and was given no real expected end or resolution to the situation. Since then I have waited and contacted the bank seeking updates and the status of their investigation with no luck, and no real answers. 
I no longer have access to my accounts and I am currently being charged interest on my credit card balance. I feel as though I am a victim of ID theft being punished as the thief. Guilty until proven innocent with no urgency to get the account reopened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
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:
My identity was stolen. I did not authorize this account to be an open by any unauthorize person to do anything using my name or Social Security

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX Date Opened XX/XX/2019 XXXX {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-02-14
Company: EQUIFAX, INC.
State: TX
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:
I have had identity theft in the past and reported it to the XXXX XXXX XXXX online at XXXX, gov which included unauthorized Credit Inquiries including from a car dealership I never stepped foot in or authorized anyone to run my credit for an auto loan. I then proceeded to dispute with the 3 bureaus reporting these unauthorized inquiries due to Identity Theft all XXXX and XXXX removed the inquiries, however Equifax has failed to do so and replied to me with a Stall tactic stating Ididnt provide proof of ID or proof of Address which is not correct because I have been disputing with Equifax on many inacurracies since XXXX! And even after disputing several times since XX/XX/XXXX with the Identity Theft Report, copy of my license and proof of address these inquiries REMAIN. This is unacceptable! I have an updated New ID Theft Report with FTC included in this complaint as well. These inquiries are hurting my credit rating and I demand EQUIFAX to Comply! The following are the inquiries still reporting : XXXX XX/XX/XXXX which is duplicated for the same Day! 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX which is duplicated for the same Day! 

Please see all attachements

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
State: NV
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:
My name is XXXX XXXX and I am submitting this complaint to delete the followingfraudulent items in my file that are reporting on Equifax and XXXX Credit Bureaus. Iam a victim of identity theft and did not make the charge. I ask that the items be deleted tocorrect my credit report. I reported the theft of my identity to the Federal Trade Commissionand I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. Ioffer my testimony herein that I have not authorized or given anyone access to my privateand confidential records and certainly not the alleged and also the inaccurate personalinformation showing on my credit report. I therefore request that you immediately removethese items from my credit report with your firm, or provide me with the exact source whereyou received such information, so I may take appropriate legal action. XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX PL XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: The Receivable Management Services LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Never received a written letter from the debt collection company about the account in collections. It just popped up on my report on day. Then I get calls almost everyday. From this company.

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 2021-10-08
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company name Midland Credit Management is trying to collect a debt from me that is not owed. I never received any credit cards from this company. I sent a letter to the credit bureaus to remove it. I also sent communications to the company but have not received a response. This may be someone else using my credit. I was a victim of fraud in the past. This false debt is having an adverse affect on my credit report and I want it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21
Company: CITIBANK, N.A.
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: Old information reappears or never goes away

Complaint:
My XXXX and XXXX hard inquiries keep reporting double or triple in the same months I never checked until recently because I didn't think they mattered I have inquiries from credit cards I already have saying that I keep reapplying for them when I'm not it keeps showing that I'm applying for Mortgage services only on XXXX and not XXXX even though I'm not even trying to purchase a house I don't know how else to put a stop to this I keep trying to mail letters but nothing is getting done

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 2019-03-28
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: Information belongs to someone else

Complaint:
I sent in a second 609 letter on XX/XX/2019 asking all 3 credit bureaus to verify collections that are reporting on my account that do not belong to me! XXXX bureaus have removed the accounts and XXXX and experian have not gotten back to me it has been over 30 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 2019-08-01
Company: Experian Information Solutions Inc.
State: MN
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: Problem with personal statement of dispute

Complaint:
* The file has surpassed the statutes of limitation that have been placed into law concerning the FCRA. 
* XXXX.Child support is deemed as a collection agency that is also govern by the FDCPA. 
* The children that are connected to this child support case is above age. 
* XXXX.Child support violates the FCRA, and FDCPA therefore is deemed unconstitutional. 
* XXXX Child support is a closed acct not active case.

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 2018-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed with the company XX/XX/XXXX. The company received by disputed according to certified mail. It is now XX/XX/XXXX and I have yet to have the information actually verified. I have filed a report with the FTC regarding the information being incorrect. Individuals obtained credit in my name without my authorization. Those negative remarks on my credit history has made it impossible to obtain new credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation