BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-21
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:
Since XX/XX/2022 I have sent TransUnion 4 letters regarding incorrect personal information and identified FCRA Violations and Non METRO2 Compliance. After reviewing my credit report almost 3 months later I became aware that no changes have been made and there have not received any investigation results. According to 15 U.S. Code 1681i TransUnion is supposed to delete the disputed items during a full and complete investigation. TransUnion violated this federal law. TransUnion is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given TransUnion to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to { {$1000.00} } per violation. Please note that I will not hesitate to file a suit against TransUnion for willfully and knowingly violating my consumer rights if this is not rectified within 15 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 non-monetary relief
Consumer complaint received 2022-08-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are 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. 
XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-06-21
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I went to a XXXX  visit doctor on XXXX at XXXX. However, XXXX is charging me {$260.00}. I called and explained the problem at least 2, 3 times. They said that it was the code that the doctor used for the visit. I sent the email to my doctor, and I was told to call the billing office. I called it again and I never heard back. 
Now I am receiving the bill from Progressive Management System, a debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i have listed inquires that i did not make i am a victim of fraud. I HAVE SUBMITTED MULTIPLE DISPUTES ONLY TO BE TOLD THAT THE POLICE REPORT IS TO VAGUE AND DOES NOT MENTION WHAT, WHERE, OR DATE OF INQUIRY I HAVE UPDATED THE FOLICE RPORT WITH THE POLICE REPORT NUMBER AS WELL AS THE DATES AND PLACES OF INQUIRY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
I received an email from HSN stating that my credit limit has been reduced due to my payment being late and I had a past due balance. I scheduled my payment on XX/XX/XXXX to be drafted on XX/XX/XXXX. I received a confirmation email after I scheduled my payment which Ive attached to this message. I called customer service and spoke with a young lady by the name of XXXX. She advised me that she could see that I had scheduled a payment on XXXX to draft on XX/XX/XXXX and she was sure as to why they never drafted the payment. She also advised me that this missed payment has affected my credit. I advised her that I had a confirmation emailing stating that I scheduled my payment as I do every single month. She then said she would put in a complaint to fix the issue and update the system, however it would take 1-2 billing cycles to fix. I advised her that was unacceptable as I was in the middle of refinancing my home. She told me there was nothing they could do about it. I asked to speak to a manager. She then transferred me to XXXX who immediately came on the line rude and uninterested in my issue. He immediately began ranting about what XXXX had already told me and said there was nothing he could do. He interrupted me each time I tried to speak. I also advised him that waiting 1-2 months to update my credit report was unacceptable as I was in the process of refinancing my home. He again said there was nothing he could do but to put my request in the system. I then asked him how is it that your company can make a mistake and if affect me and not you. He seemed irritated that he even had to take my call. I would like my credit report updated IMMEDIATELY and any fees removed from my account. They should not be allowed to treat customers this way. They mess up and there arent any repercussions and the customer is the one who pays the cost. Its RIDICULOUS! I also would like someone over XXXX to reach out to me in regards to his behavior! This is unacceptable!

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 monetary relief
Consumer complaint received 2022-08-19
Company: EQUIFAX, 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:
I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again.XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$8000.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO 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 XXXX XXXX XXXX MO XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Experian Information Solutions 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:
The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX XXXX XXXX XXXX. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( CRA ) & XXXX XXXX XXXX XXXX ) are not complying with federal law in regards to identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX XXXX  have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
NEGATIVE ITEMS : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$2500.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$430.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$180.00} XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Inaccurate Name : XXXX XXXX Inaccurate Address : XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2022-06-21
Company: Experian Information Solutions Inc.
State: VA
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:
In late XX/XX/2021, the XXXX XXXX company reported my account 30 days late. I made a payment on their electronic phone line on or about XXXX XXXX. A few days later I realized that my payment had not been drafted from my account and I called them. I was informed that there was a payment that had been rejected. I contacted my bank to verify this information and they told me that no payment had been attempted from the mortgage company. At that point it was after my 15 day grace period so I was worried about late fees. I called the Morgage company to make a payment and tell them about what was going on in an attempt to get the fees waived. After all, we are in a pandemic and every penny mattered. They told me no they would not waive the fee and that I needed to make the payment right away. I made the full payment right there over the phone with the rep. I woke up a few days later with a late payment notification from XXXX XXXX I was very upset because I had been in contact with them about the issue. At that point, I called them multiple times only to hear that it was nothing they could do. I spoke to multiple managers about what happened and I was told to file a dispute with the credit bureaus. I asked the company for a letter from stating that my account was current and that it was in good standing and was never late. I added this letter to my dispute. The disbute came back verified, nothing was changed on my credit report and I dont understand how. Since my disbute I have called them once a month and I still havent received any positive solution. I dont know why they are unwilling to work with me on a system error. I have never had this issue of being late on a Morgage before. I am filing this complaint because I have tried to contact this company multiple times to rectify this issue and they have basically laughed in my face and told me to handle it with my credit report. This late payment has dramatically affected me and their reporting was not fair or accurate. Since then, they have transferred my Morgage to another lender.

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 2022-06-21
Company: EQUIFAX, INC.
State: VA
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:
In late XX/XX/2021, the XXXX XXXX company reported my account 30 days late. I made a payment on their electronic phone line on or about XXXX XXXX. A few days later I realized that my payment had not been drafted from my account and I called them. I was informed that there was a payment that had been rejected. I contacted my bank to verify this information and they told me that no payment had been attempted from the mortgage company. At that point it was after my 15 day grace period so I was worried about late fees. I called the XXXX company to make a payment and tell them about what was going on in an attempt to get the fees waived. After all, we are in a pandemic and every penny mattered. They told me no they would not waive the fee and that I needed to make the payment right away. I made the full payment right there over the phone with the rep. I woke up a few days later with a late payment notification from XXXX XXXX I was very upset because I had been in contact with them about the issue. At that point, I called them multiple times only to hear that it was nothing they could do. I spoke to multiple managers about what happened and I was told to file a dispute with the credit bureaus. I asked the company for a letter from stating that my account was current and that it was in good standing and was never late. I added this letter to my dispute. The disbute came back verified, nothing was changed on my credit report and I dont understand how. Since my disbute I have called them once a month and I still havent received any positive solution. I dont know why they are unwilling to work with me on a system error. I have never had this issue of being late on a Morgage before. I am filing this complaint because I have tried to contact this company multiple times to rectify this issue and they have basically laughed in my face and told me to handle it with my credit report. This late payment has dramatically affected me and their reporting was not fair or accurate. Since then, they have transferred my Morgage to another lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
In accordance with Fair credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX account XXXX XXXX XXXX  XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right of 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 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 reinvestigated my credit report, I realized that some of the information was still reporting erroneous. The XXXX and TransUnion credit bureaus are required to correct these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$1800.00}

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 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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, 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 XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Banks 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 2023-10-01
Company: Waypoint Resource Group, LLC
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dont know know who they are. Never had a debt with XXXX XXXX. Please verify where I signed and now they sold this account am reporting 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 explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Reported on XXXX ) Account name : # XXXX XXXX XXXX XXXX XXXX Acct # XXXX ( Reported on Experian ) Account name : # XXXX XXXX XXXX XXXX XXXX Acct # XXXX ( Reported on XXXX XXXX Account name : XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXXXXXX ( Reported on XXXX XXXX Account name : XXXX XXXX XXXX XXXX  Account # XXXX ( Reported on Experian ) Account name : XXXX XXXX XXXX XXXX  Account # XXXX ( Reported on XXXX ) has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief