BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I was part of the Trans Union glitch and I would like all the inquires removed from my credit report. I mailed the a letter but got no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
on XX/XX/2021 I sent in my dispute letters. XX/XX/2021 I made a compliant with all the laws the bureau was breaking. XX/XX/2021 I received a closed status on my complaint because the bureau said I needed authorization. I called XX/XX/2021 on a recorded line and they told me that fact is false. I want to create another complaint that they're violating 15 US CODE 1681a. False investigation on consumer reporting of character.

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 2017-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
i recently received a letter from Transunion on XX/XX/2017 stating that the investigation of the dispute of credit error item had completed, and the item of error has been successfully deleted or removed from my credit report. So i checked my credit report online and the item was cleared then but somehow on XX/XX/2017 the item of error reappear on my credit report again as i recheck my credit online religiously. i have been discussed this matter with the credit grantor and it was settled in an agreement. In my humble request for the credit report agency to investigate what is happening with this matter and provide a best solution in regard of this item of error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
On XX/XX/2021, I mailed a letter to the credit bureaus via certified mail requesting the method of verification used to verify the bankruptcy listed on my credit report. The bureaus reported the bankruptcy as being verified with XXXX. 

On XX/XX/2021, I mailed a letter to the bankruptcy court requesting information on when and who from the credit bureau verified a bankruptcy with them. Their response dated XX/XX/XXXX was that he bankruptcy court does not validate bankruptcies with the bureaus or any third parties. 

According to the FCRA, it is illegal for bankruptcy courts to report bankruptcy to the credit bureaus. Therefore, we know that the information did not come from the bankruptcy court. Also according to the FCRA, all accounts must be verified with the original furnisher of information. Even if this information was given or verified by a third party source, the third party source can not verify that their information is accurate, since according to the attached paperwork, the bankruptcy court does not verify bankruptcies with third party sources. 

On XX/XX/XXXX, I mailed a letter to XXXX, enclosing a copy of the bankruptcy courts letter, stating that XXXX could not have properly validated the information reported to the bureaus, and thus must remove the erroneous reporting from my credit report. As of today, XXXX has not responded. 

On XX/XX/XXXX, I mailed a letter to the bureaus, enclosing a copy of the bankruptcy courts letter and a copy of the letter to XXXX, stating that XXXX could not have properly validated the information reported to the bureaus, and thus must remove the erroneous reporting from my credit report. As of today, the bureaus have not responded.

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 2017-02-19
Company: Ad Astra Recovery Services Inc
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me any goods and or services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: Experian Information Solutions Inc.
State: MD
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:
Experian and XXXX has allowed someone to compromize my credit report. Someone has applied for credit using my SS # ending inXXXX. Applying for credit cards and or finianical services to include loans in my name. I am request that all Inquries be removed from my credit file. 
Many I have not authorized or given promission or have a contract with these companies. 
From XX/XX/2020- XXXX. This is Identity Theft at te Highest Level.

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 2015-09-10
Company: CASHCALL, INC.
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I am being harassed and threatened by XXXX about some debt owed that I do n't recall. They say I owe Over {$9000.00}. 

They contacted me and surprised me and pushed for me to settle the account. I did not know what to do with being threatened with court and the balance. 

I in duress set up a plan based on the threats. Once I got home I still could not remember aby debt from Cash Call. They said I probably took out a loan for {$2500.00} but I owe over {$9000.00} now. 

I requested some kind of proof to show me what the bill is and they refused. They told me that " they will only send proof to an attorney so I better get an attorney ''. I ca n't afford an attorney for a debt I font even remember or know is mine. I requested proof several times and told them I dispute this debt until proof of the debt is supplied. 

XXXX who is the collector said that I am an irresponsible person and I should be checking my credit once a year. I pulled my credit and could not find this debt. 

They just emailed me that they are sending to the fraud department for investigation. All I asked for is something showing it is my debt. 

I ca n't handle the threats and abuse anymore.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There is incorrect personal information on my credit report. Incorrect variations of my name are showing on the Transunion report as well as an address that I have never lived.

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 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
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

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 2020-04-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft. There are accounts from XXXX XXXX and XXXX XXXX neither of which I have ever used or had in my life. There is also something for a XXXX company also never even heard of this company. Please assist me in getting this matter handled to the best of your ability thank you so much in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I had originally disputed with XXXX about incorrect items on my credit report that were in collections on XX/XX/XXXX. Transunion had a completion date stating XX/XX/XXXX. I did n't receive an email until XX/XX/XXXX that my investigation was complete. First, since I received the results on XX/XX/XXXX instead of XX/XX/XXXX, I was improperly notified and that these items should immediately be eliminated from my credit report. Second, when I had reported Transunion to the CFPB, Transunion stated a second investigation would take place but never was. The results that arrived the XX/XX/XXXX were the only results provided to me to which they concluded the only investigation. I show on the results they also supplied with had a open investigation on XX/XX/XXXX with a blank investigation results. How can transunion respond back to the CFPB stating that both investigations were already completed when they ended their investigation on XX/XX/XXXX and did n't even start the one for XX/XX/XXXX. As stated previously, my credit report was falsely investigated by Transunion and I want those collection items deleted from my report. In addition, ever since I have started reporting this bureau, I have been receiving unwanted emails at all times throughout the day and in the middle of the night disturbing my family. As noticed online, I see Transunion has a reputation of offering deals to consumers without their knowledge and consent and these offers I 'm reviving as well which is concerning to me. I have one simple request 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 2021-10-02
Company: Experian Information Solutions Inc.
State: NY
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 XXXX, My debt card information was stolen and was used on XXXX and other online purchases. the account was overdraft in the amount of XXXX the overdraft was due to the new service of courtesy pay. I immediately contacted the back to create a dispute and it is not resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX  is not reporting on the appropriate standard times which causes my scores to be stagnated and stay still. For example XXXX  and XXXX representatives stated that the status is updated on the XXXXXXXX  of the month. Accordingly my research XXXX  did not update on the first of month as stated I noticed an update on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX etc in XXXX  and XXXX.This is not consistent. The dates are dates ae off. XXXX  representatives told me they update on the XXXX of every month. They are not updating properly which puts me at a disadvantage to move up financially and to look favorable for loans in the future for school.

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 2016-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I see where Transunion reinserted a previously deleted information on my credit report. This is for XXXX account number XXXX. I disputed this with Transunion and nothing was done. This appeared after the glitch.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 and TransUnion has allowed someone to compromize my credit report. Someone has applied for credit using my SS # ending inXXXX. Applying for credit cards and or finianical services to include loans in my name. I am request that all Inquries be removed from my credit file. 
Many I have not authorized or given promission or have a contract with these companies. 
From XX/XX/2020- XXXX. This is Identity Theft at te Highest Level.

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 2020-04-08
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have already filed a Police Report for somone using my ID to open up fraudulent accounts and putting things in my name. Please see the FTC ID theft report. Please delete this fraudulent account at once.I also had a fraud account from Midland Credit Management INC XXXX Midland Funding LLC XXXX never had this account or done any business with this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XX/XX/XXXX I disputed XXXX accounts as inaccurate/incomplete with specificity as to what wasinaccurate/ incomplete.on XX/XX/XXXX the investigation was completed with '' new information '' ( documents XXXX & XXXX ) .Both accounts are delinquent charge-offs and do not supply the basic '' date of first delinquency '', as required by FCRA.BOTH do not include the amount of lastpayment and other incomplete inaccurate info. ( documents XXXX XXXX ) .The creditors do not specify these items to completely report because it would then be calculable that both creditors charged penalty fees in excess of those allowable by the XX/XX/XXXX CREDIT CARD ACTwhich was fully implemented just prior to the opening of both accounts.I believe both creditors do not want to be paid ... ..because in writing off excessive illegal fees they make more moneythan if I would pay only the charges allowed by law ... ..so they earn more defrauding the tax authorities and the public.TRANSUNION should have deleted both accounts but they do notbecause the creditors are their customers and pay them to collude.TRANSUNION ISNOT ALLOWED TO REPORT INCOMPLETE /INACCURATE INFORMATION afterinvestigation, especially obvious, on the face of the record items.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: EQUIFAX, 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:
I have contacted all 3 bureaus- XXXX  , Equifax , XXXX  to have incorrect reporting information on my credit be investigated & removed. I have sent several letters dating as far back as XX/XX/2021. I recently spoke with rep for Equifax and was advised the address they have online is incorrect for me to submit my dispute letters and that they never received them and I should resend. Fine, this time I sent certified mail XX/XX/2021 my now 2nd letter to them to request a signature from someone, they signed for it and received it. Today, XX/XX/2021 I called back to Equifax and they are singing the same tune, lying that they have not received it when Cleary they signed for it. 

Same for XXXX, called them today XX/XX/2021 they claim to not have received my 2nd attempt to investigate and remove unauthorized incorrect information from my report. 

Called XXXX same, they are telling me they can't sat if they have or have not receive my dispute and I should call back another time. 

These bureaus have been giving me the run around since XX/XX/2021 and I have had it up to here with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
THIS IS A MEDICAL EXPENSE COVERED BY MY EMPLOYER HEALTH INSURANCE - MY WIFE WAS PRESSURED INTO MAKING A PAYMENT & WAS TOLD IF SHE PAID HALF NOW THEY WOULD WRITE DOWN REMAINING MEDICAL BILL - SHE PAID HALF OF WHAT THEY WERE ASKING FOR & DID STOP THIER HARASSING CALL BUT DID NOT UPDATE CREDIT REPORT. NOW AFTER 7YRS SINCE SAID XXXX IS STILL SHOWING UP ON CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I disputed a Tax Lien from the XXXX registry of deeds XX/XX/2016 via certified mail to Transunion. I sent 2 to 3 letters stating that i knew nothing of this Public record I recieved the results of the investigation XX/XX/XXXX ( see attached ) from Transunion stating the entry was verified. I immediately called the XXXX Registry of deeds at the number Transunion provided me in the correspondence. I asked about this lien and they knew nothing of it i then called the IRS and asked if they had verified or validated anything with the Credit bureau. I do n't owe the IRS or any state entity any money, nor do i have any Liens connected to my name or residence. Transunion is violating the FCRA by not providing proof of documentation they did n't mark my credit report " disputed by consume '', and ive given them numerous opportunites to correct error. This public record is hurting my score and my financial life.

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 2016-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
An address in XXXX is on my report and I have never resided nor used an address in that state! I have only resided in XXXX XXXX and XXXX since I was 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 2015-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have submitted several disputes to Trans Union credit bureau regarding incorrect information regarding a collection item on my report - XXXX. This is NOT my account. I have been insured with XXXX for over 6 years. I have also contacted the creditor but no answer has been given after numerous attempts. I am not sure what else to do given the attempts and lack of proper response from the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: Sterling Infosystems Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hello, My name is XXXX XXXX. Sterling complete a background check on for a job. One of the categories states I am categories as a level 1 XXXX XXXX from Nevada and Oregon. I NEVER repeat NEVER live at either one of these states. My email is XXXX to contact me, or phone number 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 2021-10-02
Company: NAVY FEDERAL CREDIT UNION
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:
There are several inquiries on my report that was put on without my permission Navy FCU, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Navy FCU, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation