BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have not made any kind of business with all this accounts. All this information is incorrect. 
Please delete all this wrong information off 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 2022-06-06
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Was given a Visa pre-paid gift card. Rejected for in-store purchase. Using an online-provided service, I found three fraudulent charges that had taken the balance of the card ( originally loaded with {$300.00} ) to {$1.00}. Called Visa pre-paid card services six times to get this issue handled. Was only able to reach a human operator once, and that person then put me on hold to see an " accounts specialist ''. I was kept on hold for another 1.5 hours before the call was suddenly dropped. The " Help line '' for Visa Gift Cards is just an automated message that tells you to either call the number on the back of the gift card, or steps to take to buy a new gift card, with no other options available.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
State: OH
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 FCRA credit reporting agencies are required to accurately report credit information and be in compliance with E_Oscar platform protocol. All three major credit agencies ( XXXX, XXXX, and Equifax ) have reported inaccurate information on the accounts listed below : These inaccurate accounts must be deleted to be in compliance with the FCRA Account 1 : US DEPT ED XXXX XX/XX/XXXX {$12000.00} Account 2 : US DEPT ED XXXX XX/XX/XXXX {$6700.00} Account 3 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 4 : DPT ED/XXXX  XXXX XX/XX/XXXX {$0.00} Account 5 : US DEPT ED XXXX XX/XX/XXXX {$3100.00} Account 6 : US DEPT ED XXXX XX/XX/XXXX {$5600.00} Account 7 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 8 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 9 : US DEPT ED XXXX XX/XX/XXXX {$3000.00} Account XXXX0 : US DEPT ED XXXX XX/XX/XXXX {$1900.00} Account 11 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 12 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 13 : US DEPT ED XXXX XX/XX/XXXX {$6700.00} Account 14 : US DEPT ED XXXX XX/XX/XXXX {$12000.00} Account 15 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 16 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 17 : US DEPT ED XXXX XX/XX/XXXX {$11000.00} Account 18 : US DEPT ED XXXX XX/XX/XXXX {$6400.00} Account 19 : DPT ED/XXXX XXXX XX/XX/XXXX {$0.00} Account 20 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 21 : XXXX XXXX XXXX XX/XX/XXXX {$84.00} Account 22 : XXXX  XXXX XXXX XX/XX/XXXX {$820.00} There are items such as various date opened, last reported, date last active, and date of last payment that is incorrect and inconsistent for the same accounts across all 3 credit bureaus. All of these accounts must be deleted from my credit report because it violates the FCRA and is not in compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
Creditor Information XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Balance {$1400.00} Highest Balance {$1400.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Medical Original Creditor Name XXXX XXXX XXXX XXXX Closed No Info

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 2022-09-20
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:
In accordance with Fair Credit Report Act. XXXX XXXX XXXX XXXX  Acct : # XXXX is violating my right as a consumer. 
FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), it is mandatory by federal law to verify through physical verification of the original documents, contracts, arrangement, obligation, pledge or promises written or, sign by the consumer all accounts you post on a credit report. Otherwise, any and everyone paying for your reporting services, business or work that could fax, mail or e-mail in a fraudulent or deceitful account or report. This debt must be validated. Per FTC, CFPB, FCRA, and the Attorney General.

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 2022-06-25
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: Credit inquiries on your report that you don't recognize

Complaint:
Someone else name appears on my credit report and an unknown address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ma XXXX I would like to press charges against this individual for fraud

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 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This company XXXX XXXX XXXX has placed several medical debts on my account for dates that in no way possible can be accurate, they are reaged by more than a year. This company and other fraudulent companies like it ILLEGALLY re-age debt to when they received the debt not the date of original delinquency which is required by law. Every filing they have on my credit report is federally illegal due to re-aging of debt. Transunion is guilty of ignoring disputes and marking them as accurate when they don't bother to investigate at all.

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 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting this complaint again to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft.These following items listed below are unknown to me. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} 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 2022-06-25
Company: Experian Information Solutions Inc.
State: SC
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 fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Balance {$660.00} Highest Balance {$660.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Collection account Original Creditor Name No Info Closed No Info

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 2022-06-25
Company: EQUIFAX, INC.
State: SC
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 fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Balance {$660.00} Highest Balance {$660.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Collection account Original Creditor Name No Info Closed No Info

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: NJ
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:
I have been requesting the removal of errors on my credit report for approximately a year. The reporting companies are refusing to honor my request and delete the information. This is a violation of the Fair Credit Reporting Act.

Company response to consumer: In progress
Consumer complaint received 2023-08-17
Company: Experian Information Solutions 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:
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2022-09-20
Company: Mr. Cooper Group Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The investigation report did not complete the complaint and/or likewise fix the credit reporting problem by Mr. Cooper for the 4th or 5th time asking to correct what should have never been reported with such erroneous information. This is a VA Mortgage. 

The credit report states 1 ) The credit report update will state " Paid In Full '' ; it does not state PAID IN FULL. The credit report has an additional information section added stating " Transferred or Sold and " Transfer/Sold/Paid ( From Activity Designator column of the credit report. This section should state " PAID IN FULL ''. 

2 ) The additional information added 180 Days or More Past Due, this should be REMOVED IMMEDIATELY. The account was in forbearance during this timeframe due to the Pandemic ( see CARES ACT ), and Mr. Cooper was notified accordingly. Please remove the ADDITIONAL INFORMATION Section on the credit report in its entirety immediately. 

3 ) I've attached a copy of the CANCELLATION OF DEED TO SECURE DEBT, STATING ONLY " PAID IN FULL ''. 

Please report this loan correctly to all CRA that was paid in full on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX # XXXXXXXX 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, 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 2022-06-25
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-25
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
XXXX AND Equifax are both reporting completely different filing dates, closing dates and court names for XXXX XXXX bankruptcy on my credit report. I have called to both of these companies to report this issue, but it has not been successful. They told me that the information was accurate and the information came from the courts, which I know my rights and know thats a lie. The courts DO NOT report or confirm these public records with the credit bureaus. I have asked for this public record to be removed from both bureaus due to the inaccuracies, but it has not yet been removed. These are inaccurate, in addition to, damaging my credit score further. These are the inaccuracies as follows : Filing date : XXXX XX/XX/XXXX Equifax- XX/XX/XXXX Closing date XXXX XXXX XX/XX/XXXX Equifax- Court name XXXX XXXX- US BKPT CT XXXX XXXX Equifax- FEDERAL 15 usc 1681n Civil liability for willful noncompliance ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 
I would love to see this issue resolved immediately please and thank you so very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Acct # 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 : States a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I would like to fill a complaint against united revenue corp located at XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX. I sent a dispute letter requesting for them to validate the debt i also sent the letters via certified mail with a return slip they failed to send me anything showing how the debt belongs to me instead they sent a bill i didn't ask for a bill i asked for the original contracts with my signed signature etc. Furthermore they are reporting the same acct twice there is also different dates on the bills they sent vs the dates their reporting to the credit bureaus. If they can not validate the dent by law they have to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with information listed and removed or updated without incident. You however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, what day and time you talked to this person? All this information is need for a case I'm building against all parties who are damaging my credit XXXX  XXXX Date opened XXXX XXXX, XXXX Balance $ XXXX Late Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: CITIBANK, N.A.
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: Personal information incorrect

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.

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 an 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 explanation
Consumer complaint received 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 fair credit reporting act XXXX  account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
Creditor Information XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Balance {$660.00} Highest Balance {$660.00} Opened XXXX. XXXX, XXXX  ( XXXX yrs, XXXX mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Collection account Original Creditor Name No Info Closed No Info

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