BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-20
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I sent in disputes regarding inaccurate account information almost two or three weeks ago, and did n't receive a response regarding inquiries or accounts that were removed from my credit report. I called Equifax and I was told that they were n't going to remove the inquiries that were n't authorized. I did n't receive any notification regarding the accounts that were disputed either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was a XXXX XXXX customer between XXXX XXXX and XXXX XXXX. In XXXX XXXX, I discontinued my XXXX. XXXX charged me a {$130.00} " early termination fee '' ( ETF ), alleging that I had agreed to such a fee previously. However, I had never entered into any contract with or agreed to any " early termination '' clause with respect to my XXXX. I asked my bank, XXXX Bank XXXX XXXX, to mediate the dispute. After contacting both sides, XXXX issued me a refund for the {$130.00} that had been erroneously and illegally charged to my account. I naively assumed that the XXXX Bank decision would settle the matter. 

However, XXXX continued to pursue me for this money, even after XXXX Bank resolved the mediation in my favor. XXXX referred this debt to a collection agency, XXXX XXXX, so I filed a complaint with the CFPB ( XXXX ) against XXXX and XXXX XXXX. XXXX responded to the CFPB to state that XXXX had, " closed and recalled this account, '' and, " XXXX XXXX will make no further efforts to contact you. '' However, this adverse item continues to appear on my Equifax credit report. I disputed the adverse item with Equifax and they refused to remove the item from my credit report, even though XXXX XXXX has provided XXXX evidence that this is a legitimate debt. 

I am contacting the CFPB for their assistance in mediating this issue with Equifax, and to help remove this black mark from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan is delinquent and I called in to Seterus, Inc to set up payments. I was informed by XXXX that they would not accept my payments. I told him that I am currently XXXX but wanted to keep my home and wanted to make the outstanding XXXX and XXXX payment. Even though we are still within the month of XXXX, XXXX would not accept my XXXX and XXXX payments, unless I also included the XXXX payment. I to him that he is forcing me into a foreclosure by not accepting my payment. He was very abusive and was using strong arm tactics to force me to set up an additional payment for XXXX. I asked was the conversation being recorded, because I wanted to have a record of this abusive behavior that Seterus is utilizing with people attempting to make their mortgage payments. They are forcing individuals into unnecessary foreclosures to keep their servicing record clean and receive additional fees from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: GA
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 {$2400.00} has violated my rights USC 15USC 1681 sec 602 states i have the rights to privacy USC 1681 sec 604 states 2 states a consumer reporting agency can not furnish a account without my written instruction.

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 2015-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I contacted XXXX online as I do once a year to check as I 've had many false and out right lies applied to my credit reports due to ex-wife of 14yrs+. So on XXXX XXXX, 2015 I went online to check and XXXX XXXX in an electronic response told me to contact Trans Union about my information as It shows that according to TU " I 'm not Me. " Wow people who do n't know me or has every had a copy of my XXXX SS Card or my Government state issued license, or even met Me can tell all others that I 'm not me. I called after going thru the email TU contact, then by phone from XXXX XXXX 2015, TU cleared off the collection on my account then w/o my permission they put a 90 day Identity theft hold on my account then reported to XXXX the hold and had then put the hold onto those agencies too after I had it removed from XXXX again as TU keeps reporting this false claim and I video recorded the conversation per the XXXX here NV. This will clearly show that XXXX has refused my email, phone, and mail request to cease w/ their abuse of my personal information as I do not use or wish to have them have my personal information as for over XXXX TU has blocked those I do give my information to is thru an contract or business agreement just incase of legal issue. TU reps and mgr all XXXX Called back on XXXX XXXX, 2015 all were rude, and w/o merit to demand that I send them my personal XXXX XXXX XXXX XXXX XXXX XXXX in order for them to remove an alert that TU put on w/o my permission as they claim they have the right to. More than a dozen times in less than XXXX mins the XXXX also refused to even when he could see that back on XXXX XXXX, 2015 I contacted TU online and on the phone to have false debits removed then. I explained that how can I verify and have them removed less than 2wks ago and now you will not remove what you see I have emailed, mailed, and called to have cleared within the 24hr period. Instead TU continues to violate my request for them to cease and decease w/ all false reporting, false filings, false report, falsely adding fraud / identity alerts and errors as I have no creditors, bank accounts, mortgages, car payments, no retail accounts, no loans, and no kind of lenders or credit cards. I also requested not to be solicited by any companies or phone calls. TU has refused in all forms of contact to stop but TU refuses and continues to abuse my privacy, name, and ability to be able to put deposits down to use equipment, update lease/ rental agreements, and other activities which require verifying your ID thru SSN in stores and rental companies

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-17
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Approxamately 5 years and 6 months ago I rented an apartment at XXXX XXXX XXXX for a 1 year lease. From the day I had moved in, there were issues ( No initial cleaning was done prior to my move in to which the manager responded, " Well, You wanted to move in today '' ). Additionally, The several items I listed on my move-in inspection that were in need of repair and/or replaced were not attended to throughout the entire 7 months of me living there ( w/o incident on my part ). Finally, After having paid the 6 previous months rent with money orders, I was turned away and told they were no longer accepting them ( w/o any notice ). I attempted to return the money order to XXXX where I had purchased it, with no success, and after returning to XXXX to advise them that if they would n't accept my form of payment ( the same form as I have made for the prior 6 months without any issues ), I would not have access to retrieve the funds. They again, declined which resulted in my moving out and leaving the apartment considerably cleaner than it was upon my arrival. When we went to court, Their lawyer asked me to explain the situation, and when I did so, He advised the Judge that they wished to settle the matter as it currently stood with me owing nothing and no longer residing there. I have submitted the court documents to them several times with no cooperation or attempt on their part to even respond to me in any form.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went to the free sight for getting my annual report. After entering all info and gaining access to the page beginning process I checked all XXXX reporting companies. I went to my first company TransUnion and was given access to my report. After perusing the different accounts and saving and printing the report, I then clicked " CREDIT SCORE ''. There was nothing on this page. 
My second Company XXXX showed me the following : " WE CAN NOT DISPLAY YOUR REPORT ONLINE ''. o further explanation was given. I was able to purchase the credit score by joining XXXX for {$1.00}. I then got the score but had to cancel my membership within 7 days or be charged the full membership which would be automatically renewed every year until i cancelled. I, of course immediately cancelled. The 3rd company, XXXX, was the worse. They simply responded, after my entering pages of questions, that " WE CAN NOT DISPLAY YOUR REPORT ONLINE '' .No other offers or explanations were given.

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 2015-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX # XXXXTransunion account # XXXXFrom XXXX XXXX, 2015 I have written over XXXX letters to the credit company stating that this company Enhanced recovery is reporting inaccurate information on my credit report and ask servals time for the company to please submit validation that the reporting item belongs to me and they have failed to do so. I have also received a letter on XXXX XXXX where the company clearly states that the account is places on hold status and they are no collecting a debt. If this is so why are they still reporting this item illegally on my account? I am beyond frustrated because I ca n't do the things I would like to do because of this inaccurate information. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
TRANSUNION is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( XXXX ) prospectus, ( c ) Federal Reserve form XXXX balance sheet ( s ), ( d ) Federal Reserve form XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from TRANSUNION in accordance with XXXX, XXXX in accordance with basel XXXX accord and XXXX conventions. I also asked them to present these documents from the following vendors/creditors : XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct @ XXXX and they have failed to do so.

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 2017-02-04
Company: CITIBANK, N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Accepted Citibank promotion. Deposited {$15000.00} and was to receive {$400.00} bonus on XXXX XXXX, 2016. After several calls, no action, and the bonus amount is still missing from my account. 
Same issue as Complaint ID XXXX This is unconscionable and outrageous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There are XXXX liens that are inaccurately reporting on my credit report for Transunion. In fact, they are not even reporting on any other credit bureaus, not XXXX nor XXXX. What Transunion is doing is blatantly discriminating against me. They have been doing this to me for over a year. They have violated my constitutional, federal, civil rights, and the state constitution. They are also violating the FTC and FCRA rules and regulations. They are in violation of everything I can think of. They clearly stated that they verify with a third party which I do not know of. It certainly is not the courts or the source of any records, where I have so called lien records. 

WHO DID YOU VERIFY THIS INFORMATION WITH? WAS IT THE SOURCE? 
I DID RECEIVE THE XXXX VS XXXX PERSONALLY IN THE MAIL SHOWING THAT YOU CREDIT BUREAUS HAVE BEEN IN VIOLATION OF VERIFYING PUBLIC RECORDS ANYWAY WITH THIRD PARTIES. AND YOU ARE THE ONLY BUREAU STILL DOING THIS. YOU MUST BE STOPPED!!! 

Who Told them it is ok to report it? There is no law requiring any public records to be posted to a credit bureau. And there is Section 603 in the FCRA which states that in order to post anything to a credit bureau, you need the consent of the consumer. They are private, for profit ( massive profit!!! ) companies and they can not put just anything on there that they feel that they have a right to do. Plus XXXX does not have any firsthand knowledge of the actions they report. How do we know they are accurate? Unless Transunion is going straight to the courts, anything being reported is hearsay. YOU need to prove it with a certified document and not just on YOUR word which is worth squat. 

I trust that it 'll be resolved the second time around. I have filed a complaint with the Consumer Financial Protection Bureau and am in the process of filing with the Federal Trade Commission, and later I am going to SUE if this is not resolved!! 
I WILL ALSO FILE A SECTION 42 USCA 1983 ON YOU!! 

I have included the letters from the courts that I have received from them, which is actually the source showing that I do not have any current or prior tax liens with them. So, I have concluded that that is a fraudulent claim that you have against me and it is intentional. Call the source at their numbers on the letters and hear it from them. Or write them. I want these liens removed in 4 business dayS!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The information that appear on my credit report are not mine. It was an identity theft. I had sent to you the police report. it 's very clear your investigation is not complete, according to the law it should be remove completely.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
XXXX filed a Notice for Wage EXECUTION, by PRESSLER & PRESSLER and I am currently on medical leave for XXXX XXXX. XXXX did wrongfully shared my information first to XXXX XXXX and sold my information to Pressler & Pressler, my employer received a wage exception notice to garnish my wages in the amount of {$210.00} weekly. This garnishment is also filed with the Superior Court of New Jersey and I am disputing this wage exception with XXXX. I would also like to report PRESSLER & PRESSLER for harassment and for filing this claim against me! I would like for this wage garnishment to be removed at once from the Superior Court of NJ, and a notice sent to my Employer!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I filed an official dispute with Transunion on XXXX. I stated that XXXX XXXX XXXX, a creditor on my file, as misstated my current account status. I supplied a current statement that verify the account status as " current ''. My previous account status was " Charged Off ''. XXXX has allowed me to bring my account back to a " current '' status. I want my credit file to reflect as such. On XXXX XXXX, 2016 Transunion return my dispute and stated that the Charge off Status will remain. I am not asking for anything more that my credit file reflect my current standing with XXXX. Transunion has not provided any further information to explain why they have decided not to update their files. I simply request that the account status be updated or the account be deleted.

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 2015-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Home foreclosed upon in XX/XX/XXXX. Settlement received for improper foreclosure in XXXX Credit report not reflecting improper foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX, XXXX I have mailed all XXXX Credit Bereau ( XXXX, Transunion and XXXX ) concerning the hard inquiry that is showing on my credit report that I pulled for review in XXXX XXXX, XXXX. All XXXX CB 's were notified that I have no business with the said inquiries and considered to be fraudulent activities. The response I received from the CBs were copies of my my credit report and I was told to contact the creditors instead. On XXXX XXXX, XXXX I mailed all request to remove hard inquiry to the following creditors 1. XXXX inquiry date XXXX XXXX XXXX 2. XXXX inquiry date XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX 3. XXXX inquiry date XXXX XXXX, XXXX 4. XXXX XXXX inquiry date XXXX XXXX, XXXX XXXX 5. Total XXXX XXXX XXXX, XXXX 6. XXXX inquiry date XXXX XXXX, XXXX 7. XXXX inquiry date XXXX XXXX, XXXX 8. XXXX Bank Inquiry date XXXX XXXX, XXXX 9. XXXX XXXX XXXX XXXX XXXX 10. XXXX XXXX inquiry XXXX XXXX, XXXX i have requested from all the creditors thru the letter I mailed via certified mail that I did not authorized any of those inquiries and view my credit report that upon doing so they have violated the FCRA section 1681b ( c ). I also requested all creditors to send me a proof of my authorization to inquire into my credit report. THey replied with no proof of authorization and merely states that it 's valid and factual. 

I am asking your good office to help me resolve this matter. Please let me know if you need any further documentations that can or will help you investigate this issues. 

Respectfully yours, 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 2015-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX 2009 my XXXX XXXX services account was paid in full. However, it is reporting late on my Transunion credit report and it has been removed from all other reporting agencies. The account was paid in full within XXXX days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
My score was XXXX then turned to XXXX sudenly XXXX month ago and I pay my bills in time

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
TransUnion still reporting inaccurate information which is hurting my ability to obtain credit. 

See attached documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation