BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom It May Concern, This letter is in response to your recent claim that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/ ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : P.S. I have attached my recent Police report to this letter. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : 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 explanation
Consumer complaint received 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

DPT ED/XXXX  XXXX {$650.00} XXXX  XXXX XXXX XXXX {$150.00} XXXX  XXXX  XXXX XXXX {$1100.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX {$900.00} XXXX  XXXX  XXXX  XXXX {$0.00} XXXX  XXXX {$20000.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX {$650.00}

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 explanation
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX XXXX XXXX Attention : Transunion This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXXade on : XX/XX/XXXX Made with : Transunion Made by : XXXX DC XXXX on : XX/XX/XXXX Made with : Transunion Made XXXX : XXXX Made on : XX/XX/XXXX Made with : Transunion Made by : XXXX XXXX Made on : XX/XX/XXXX Made with : Transunion Made by : XXXX Made on : XX/XX/XXXX Made XXXX XXXX Transunion Made by : XXXX XXXX XXXX on : XX/XX/XXXX Made with : Transunion

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 2016-07-05
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
AMERICAN EXPRESS ACCOUNT # XXXX ADDRESS IDENTIFICATION # XXXX American Express has used illegal tactics by continuing to write-down small amounts to assure recent activity continues to keep debt current, when the account goes back MORE THAN SEVEN YEARS. ALL XXXX REPORTING SERVICES ARE IMPACTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: EQUIFAX, INC.
State: AR
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 several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 

XXXX/XXXX  XXXX {$6600.00} XXXX  XXXX  XXXX {$210.00} XXXX XXXX {$85.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I sent a letter earlier this month asking Equifax to update my personal information, I sent in all the documents they requested to verify it was me on XX/XX/XXXX, XXXX XXXX. I checked my credit report to today and to my surprise, they are still reporting incorrect information even though I asked them to update my records, this is becoming frustrating because i wan na move forward but this company is making it very difficult. I sent a copy of my I.D, SSN card and A piece of mail with my information matching the Address on the I.D . Letter is dated XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have an incorrect address on my credit file and I also would like to update my employer. I spoke with the credit bureau and after answering extension questioning my file was not updated.

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 2022-02-28
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:
The information on my credit report is not correct. I do not recognize this information, this is a result of identity theft and i need it to be removed from my credit as soon as possible. It is affecting me in a very negative way.

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 2022-10-02
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: Account information incorrect

Complaint:
the XXXX account # XXXX thats reporting on my credit report has inaccuracies that makes this report invalid!!! in XXXX date opened XXXX while in Experian says XX/XX/2021 date last active all 3 bureau has three different dates!! PLEASE DELETE THIS INVALID DEROGATORY REPORT THAT'S HURTING MY CREDIT SCORE 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 non-monetary relief
Consumer complaint received 2015-05-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Submitted all proper identification along with police report from town that identity theft was based out of and experience still wo n't remove. This is my second time disputing with them. 1st they tell me I need to send in a Police report. Now finally I get the police report. They want it notarized. My credit has suffered long enough. This will also be the 2nd time you guys get involved as well with my fight with experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account information incorrect

Complaint:
I previously filed a complaint, and the company responded and said they had no information about me on the file. They could n't provide my name, phone number, etc. I provided them with information on myself  XXXX / XXXX / 17 . That is the only way they currently have my information. The company reported it as a late payment, which impacted my  credit score, even  thouygh they claim to have no information about me.

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 2020-03-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
ftc violations XXXX XXXX XXXX XXXX XXXX reporting inaccurate information XXXX   XXXX DataX XXXX  XXXX XXXX  TrustID All FCRA violations fair and accurate reporting ITS called fair and accurate reporting cost consumer millions Higher RATES LIFE STRESS

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Seeking to have credit bureaus remove a tax lien filed by the State of Georgia which has been paid and satisfied for more than 4 years. Additionally, the lien was filed in XXXX of XXXX so I believed that the lien would fall off my credit reports after 7 years, being XXXX XXXX. 

Upon contacting XXXX and Experian today XXXX XXXX/XXXX/XXXX XXXX to confirm that this would be removed in XXXX once the 7 year mark had hit from its original filing date, I was informed that legally my tax lien must be reported for 10 years by law with a removal date of XXXX XXXX or to get an order from a judge ordering its removal. However, after viewing the Georgia XXXX it specifically states the following ; " The Department has no control over the length of time that credit bureaus keep public information on a credit bureau report. To update your credit bureau report, you must contact the credit bureaus directly. If the Department recorded a state tax lien against you in error, the Department will amend the lien by stating that it has been officially withdrawn. Please note that the Department can not instruct a credit reporting agency to alter its records regarding this error because the Department does not report the recording of state tax liens to any such agencies. '' So there seems to be no such order of removal process in the state of Georgia or law requiring credit bureaus to report satisfied tax liens for any specific amount of time. It appears Georgia residents have no way to request satisfied tax liens be removed from credit reports. 

I am requesting your organizations assistance in having this lien removed from all credit bureaus in good faith as I paid the tax debt ( {$1500.00} ) once I learned there was a judgment and had been reported as a tax lien more than 3 years ago ( XXXX XXXX XXXX and additionally exercised patience in believing that the public record would be removed after 7 years of its filing date only to learn that the credit bureaus can report a public record for any length of time they choose, in this case 10 years, even though my state agency does not mandate this.

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 2016-03-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Experian is reporting following personal credit checks which were not authorized by me. I tried to call them there is no answer all voice recording. 
Following inquiries must be removed from my record I did not authorize them 1. ID # XXXX 2. ID # XXXX 3. ID # XXXX 4. ID # XXXX 5. ID # 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 2020-03-23
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: Investigation took more than 30 days

Complaint:
Equifax is reporting 2 student loans as being in dispute and that is not the case. The two accounts are showing as DP of EDUC are reporting with balances, one has {$1.00} and the other shows {$2.00}. THESE HAVE BEEN CONSOLIDATED OVER A YEAR AGO AND HAVEN'T BEEN DISPUTED IN A FEW MONTHS. My lender pulled credit and Equifax is the only one doing this..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im contacting cfpb be because transunion is committing fraud, by putting a debt on my credit report thats not supposed to be there period and I sent in the documents to prove it and yes transunion removed it with the help of cfpb the first time. About two or three months ago they put it back it but it was XXXX I did try to dispute it, I called customer service reps refused to let me talk to higher management, but I had so much other stuff going on I just let it be. If u notice for them to put that 3 million on my credit report the had to rearrange the date to XXXX. This was done on purpose. And it also involved discrimination on the basis of XXXX of skin, and they think im illiterate. This is definitely a crime.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-26
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: CITIBANK, N.A.
State: CA
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:
On XX/XX/2020 at XXXX XXXX  I sent written communication to Bloomingdales dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national crediting reporting agencies on account number XXXXXXXX. The request was made pursuant to the FCRA 623/FACTA 312 and is a requirement under Information Furnishers Duties. I received NO written communication from Bloomingdales. They did NOT meet the requirements of FCRA 623/FACTA 312. I made a request for them substantiate the information theyre reporting is pursuant to the FCRA/FACTA, thereby causing Bloomingdales communication to be significant of a non-response within the statutory 30-day time period to respond. FCRA 623/FACTA 312 requires Bloomingdales to provide the following : ( 1 ) Proof of Liability via original application, ( 2 ) The Terms of the alleged liability, ( 3 ) Proof of performance made by me, ( 4 ) Proof of any other information contained in the credit report regarding the account. Bloomingdales provided none of the above. Bloomingdales continue to report unsubstantiated information to my credit report in violation of my consumer rights and is attempting to benefit commercially by violating federal law which potentially makes them actionable by criminal complaint. Bloomingdales has violated the Red Flags Rule and Metro-2 Reporting Standards, thereby violating my rights under the FCRA, ECOA, and FCBA. Furthermore, on XX/XX/2020 I sent a second written communication to Bloomingdales dated XX/XX/2020, requesting the same information with same results of NO written response. The above illegalities were committed via USPS mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 PAID {$7700.00} to  XXXX    XXXX    X/X/2011    RECEIVED MY TITLE FOR A TRUCK FROM  XXXX  AND THEY PLACED INCORRECT IFORMATION ON MY CREDIT REPORT STATING THAT I HAVE A BALANCE OF {$560.00}.

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 explanation
Consumer complaint received 2022-03-29
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:
To Whom It May Concern : I am writing to inform you that these hard inquiries were not authorized by me and I wish to have them DELETED. Some person or persons within your consumer reporting agency has knowingly and willfully provided information about me to a third party not authorized to receive such information, all in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C.1681. My information is that the unauthorized recipient of this information is XXXX. Since I never gave permission for anyone to inquire about my Credit Status, they are unauthorized. Furthermore, their continued existence on my Credit Report represents inaccurate information, which under the Fair Credit Reporting Act, must be removed. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX As I am sure you are aware, Section 1681 ( r ) of the FCRA prohibits such acts and provides for the following sanctions : Any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agency 's files to a person not authorized to receive that information shall be fined under title 18, United States Code , imprisoned for not more than 2 years, or both. This letter shall further serve as demand that your agency thoroughly investigate this matter and provide me the result of your investigation forthwith. Moreover, I expect your agency to immediately cease all such communications to unauthorized third parties. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation