BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-26
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: Account status incorrect

Complaint:
I would like all Derogatory Remarks, Late Payments, Collection, Charge-offs, and Closed Accounts removed. The following accounts are all being misreported on my credit report. 
Please apply these laws to my accounts : the Fair Debt Collection Practices Act Law 111-203, Title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. 
ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXX DATE FILED : XX/XX/XXXX TYPE OF ACCOUNT : Closed/Collection/Charge-Off ADDRESS : XXXX XXXX XXXX, XXXX, PA XXXX REASON : Not my Account. Please remove it from my credit report ACCOUNT NAME : XXXX ACCOUNT # : XXXX DATE FILED : XX/XX/XXXX TYPE OF ACCOUNT : Closed/Late Payments ADDRESS : XXXX XXXX XXXX, XXXX, PA XXXX XXXX : Not my account Please remove it from my credit report ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT # : XXXX DATE FILED : XX/XX/XXXX TYPE OF ACCOUNT : Revolving/Open/Late Payments ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX REASON : This account belongs to me. I never made late payments on this account. However, payments are showing up on my credit report as delinquent. Please change all late payments to on-time payments. 

ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXX DATE FILED : XX/XX/XXXX TYPE OF ACCOUNT : Installment/Late Payments ADDRESS : XXXX XXXX XXXX XXXX, VA XXXX REASON : This account belongs to me. I never made late payments on this account. However, payments are showing up on my credit report as delinquent. Please change all late payments to on-time payments. 

Please remove the following addresses from my account. I have never lived at the addresses listed below : Inaccurate Addresses as Stated On Credit Report XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX, XXXX, MD 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 2022-10-17
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: Personal information incorrect

Complaint:
I value your help to remove a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these 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 Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XX/XX/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 2023-12-19
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I called on XX/XX/XXXX and XX/XX/XXXX to get informatin on a Barclays card that shows up on my credit report. I was told that Barclays closed this account in XXXX. I asked when the last payment was because this account is very old and I hardly remember it. Rather than help me they said they could not provide any information and they hung up on me. I am requesting that Barclays be removed from my credit history.

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 2023-09-28
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
The company FAMS has withheld my XXXX Benefit formerly known as the NJ XXXX rebate as well as my New Jersey tax return. I was contacted by the fore mentioned collection company with a letter dated XX/XX/XXXX regarding an outstanding balance of {$16000.00}. The letter specified that I agreed to make payment arrangements with this company. I never agreed verbally or written notice to make any scheduled payments to this company and immediately notified my lawyer to contact the collection company on my behalf. Since my lawyer 's XX/XX/XXXX letter to this company, FAMS has not made an attempt to verify the debt as requested by the law firm. 

This year the Division of taxation mailed XXXX notices dated XX/XX/XXXX which indicates the collection agency has withheld my state refunds. I immediately contacted my lawyer regarding the matter and the law firm sent a second notice dated XX/XX/XXXX to the collection agency requesting they verify the debt. FAMS was in receipt of the law office 's letter on XX/XX/XXXX. To date FAMS has refused to respond to the XXXX and XXXX notifications sent to their office. I contacted the XXXX XXXX XXXX XXXX XXXX New Jersey on XX/XX/XXXX to inquire if any judgements were filed against me due to changing residence in XXXX of XXXX and possibly unaware of any notifications due to the move. The court clerk confirmed there was no " XXXX XXXX XXXX '' found in their system against me from FAMS. The court clerk also completed a state wide search and nothing was found. She also explained their database could confirm information from several years prior and there was nothing found in their database from XX/XX/XXXX to the present date. 

I also contacted the XXXX XXXX XXXX XXXX ( current county of residence ) immediately after contacting the XXXX XXXX XXXX XXXX and they as well confirmed there were no " Money Judgement Suits '' filed against me. 
FAMS is in clear violation of the Fair Debt Collection Practices Act ( FDCPA ) due to falsely indicating that I agreed to set up a payment arrangement with them in their XX/XX/XXXX letter. The collection company is also in violation due to not responding to notifications sent to them to attempt to resolve the matter. Lastly the collection company is in violation due to withholding monies due to me such as my State Income Tax Refund and XXXX Benefit without properly filing judgement with the Superior Court of New Jersey. 

I am requesting this company 's practices as well as this matter be investigated and action be taken against this collection company to receive monies due to me as well as their payment to me in the amount of {$1000.00} for violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello, my name is XXXX XXXX. Upon checking my credit report, I noticed some personal information that does not belong to me. I have already sent a letter addressing this issue. However, to this day, which is over 30 days later, I have not received a response. I feel like I'm being neglected and taken advantage of. According to Section 611 ( a ), the failure to investigate these items within 30 days provides a reason to promptly remove them from 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 2022-10-12
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX is reporting correct but ORIGINAL CREDITOR : COMMUNITY LOAN SERVICING LLC XXXX is not reporting correctly. I was protected in a covid forbearance in XXXX making my 3 `` trail payments '' in XXXX XXXX with my modification starting XX/XX/XXXX. COMMUNITY LOAN SERVICING LLC is reporting 180 days late for XXXX XXXX and XXXX DATES=, XXXX XX/XX/XXXXXXXX XXXX  : XXXX - this loan was transferred to XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting 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 are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
n accordance with the Fair Credit Act XXXX XXXX XXXX XXXX Last reported XX/XX/2023 {$3000.00} Reported balance Credit limit {$2500.00} XXXX  XXXX Last reported XX/XX/2023 $ XXXXReported balanceCredit limit {$3000.00} XXXX XXXX XXXX Last reported XX/XX/2023 {$570.00} Open balance XXXXXXXX XXXX XXXX XXXX XXXX Last reported XX/XX/2023 {$710.00} Open balance {$750.00} 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please know the information on my credit report is not correct. I've listed information and unauthorized inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.

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 2023-12-21
Company: U.S. BANCORP
State: WI
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I ordered a replacement card on XX/XX/23. I received an email on the XXXX stating that the card had shipped and I would receive it in 3-5 business days. I had not received it by the following week and spoke to a rep who stated that I would receive it by the XXXX. It hadn't arrived. I spoke to another rep who stated that I would receive it by the XXXX. I explained that I desperately needed the funds on my account before then and requested that they perform a bank to bank transfer. They claimed that was impossible. The XXXX came and I still haven't received my card. They stated that they would expedite a new card and I would receive it on the XXXX through XXXX. XXXX doesn't deliver on XXXX XXXX. Their incompetent staff officially ruined my holiday.

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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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:
My credit report has inquiries reporting that I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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, tx XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2023-11-23
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify this account, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair this inaccurate account in my file. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
List below are unauthorizedcredit pulls using my personal information XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-10-12
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: Problem with personal statement of dispute

Complaint:
**XXXX XXXX is not the problem XXXX is the issue** I contact XXXX an explain I caught XXXX XX/XX/XXXX 2022 went back for check up and was admitted in the hospital due to problem with my XXXX and extremally XXXX XXXX XXXX. I was in the hospital for 37 days. They said no problem I need to contact the credit bureau which I did on XX/XX/XXXX22 to dispute XXXX XXXX day delq. on my credit report report # XXXX got an update on XX/XX/XXXX22 nothing changed. Call XXXX on XX/XX/XXXX22 to find out why it didn't update, the representative at XXXX told me XXXX stated it was not a valid reason, I need to contact XXXX. On XX/XX/XXXX2022 I contact a manager at XXXX  who advise me XXXX NEVER CONTACT THEM. WHY would XXXX HAVE A REPRESENTATIVE XXXX WHEN THEY NEVER CONTACT THE COMPANY OR DID A PROPER INVESTIGATION. AFTER EXPLAINING TO THE MANAGER SHE REVIEW MY ACCT NEVER 30DAYS LATE IN FACT THIS IS MY 2ND LOAN WITHOUT A BAD PAY HISTORY. XXXX STATED THEY HAD NO PROBLEM REMOVING THE 30DAY DELQ BUT THE CREDIT BUREAUS HAVE TO DO IT. SHE WAS WILLING TO SEND ME A LETTER TO CONFIRM. WHICH THEY DID.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm hoping you are doing well as I write this. I'm writing to say how deeply concerned I am about a fake account that was opened in my name without my knowledge or approval. The goal of this communication is to make my rights known and demand that this issue be fixed immediately. The fraudulent account in question is as follows : XXXX XXXX I am able to vouch for the fact that I did not authorize or create this account after a careful inquiry. My financial situation has been significantly impacted, and this fraudulent behavior seriously jeopardizes my personal safety. 
I must emphasize how urgent this situation is and how prompt action is required to resolve it. If left ignored, the bogus account in question will likely hurt my financial future and severely harm my credit record.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting 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 this creditor has violated my rights under 15 USC 1681 section 6 0 2. It states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer 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