BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: LA
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 called XXXX on XXXX about unauthorized inquired furnished on report they advised they have no record and is unsure who pulled my report I Called Equifax and spoke with a very rude supervisor name XXXX  who showed unwillingness to help I explained to her that I have the FTC report with the inquiry name and date it was pulled and would like it removed because it was unauthorized she stated that I needed to mail in information and showed no type of interest to help me with this issue because I also wanted information to put a security freeze as my credit keeps getting pulled by unauthorized companies I have attached the FTC report below I want this inquiry removed because I am a victim of identity theft and did not authorize this credit pull with XXXX XXXX XXXX on XXXX XXXX XXXX XXXX  XXXXTHIS IS DEFAMATION OF MY CHARACTER AND I WOULD LIKE ALL UNAUTHORIZED INQUIRES REMOVED FROM CREDIT FILE. ACCORDING TO 14 U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER. Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
THESE INQUIRY IS SATURATING ALL MY CREDIT I WANT THEM ALL TO BE DELETED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
( See attachments and supporting documents ) XXXX, XXXX, TransUnion shows bankruptcy filed in my name on my credit report, has NOT produced any evidence of documentation that has my signature, showing I filed for a bankruptcy at anytime. This is false and must be deleted immediately from my credit report. Showing 2 filings. There is no documentation and I did NOT file ANY bankruptcy filing. 
Please send me supporting documentation that has my SIGNATURE where I signed these documents OR DELETED, REMOVE and UPDATE my credit report you keep in my name and forward a copy of the UPDATED REPORT to my address you have on file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please check the enclosed documents. I would like the bureau to commence an investigation into these accounts where I have a history of timely payments, despite being inaccurately reported as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am filing this complaint on my own behalf to address an issue concerning unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
i recieved acopy of my credit report and y noticed severals accounts on my credit file that never applied for and never used needs to be removed from my account below are listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to express my deep concern and frustration regarding the ongoing challenges I have faced in attempting to rectify inaccurate information on my credit report. Despite my persistent efforts and numerous attempts, the inaccuracies remain, adversely affecting my financial standing. 

I have diligently followed the dispute resolution process outlined by your agency, providing detailed explanations and supporting documentation to rectify the inaccuracies. Regrettably, these efforts have not resulted in the correction of the inaccurate information on my credit report. 

Enclosed with this letter are copies of my previous dispute submissions, along with the supporting documentation, for your reference. It is disheartening to note that, despite my compliance with the established procedures, the inaccuracies persist. 

I respectfully request an immediate and thorough investigation into this matter. I expect your agency to take prompt action to rectify the inaccuracies on my credit report and to provide me with a detailed written explanation of the steps taken to address and correct the information. 

Furthermore, I urge your agency to review and enhance its dispute resolution procedures to ensure a more efficient and effective process for consumers dealing with inaccurate information on their credit reports. 

If this matter is not resolved promptly and to my satisfaction, I am prepared to escalate my complaint to relevant regulatory authorities, including the Consumer Financial Protection Bureau. I believe in the importance of an accurate and fair credit reporting system, and I trust that your agency shares this commitment. I am asking for your assistance to remove the inaccurate items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX made an improper credit reporting status in XX/XX/. I made the payment within the 30 day grace paeriod and was told by a representative that there would be no late credit reporting. I was told the payment would incur interest but my principal payment was paid according to guidlines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to express my deep dissatisfaction with the handling of fraudulent items on my credit report. Despite my numerous attempts to address and rectify this matter, the fraudulent items persist, and it is disheartening to note the lack of resolution. 

Clearly outline the fraudulent items on your credit report, including the account names, dates, and any other relevant details. 

Provide a concise summary of the steps you have taken to address the issue, including dates and methods of communication with the credit bureau. 

Mention that you have attached any supporting documentation, such as evidence of payments, correspondence with creditors, or any other relevant information. 

Describe the impact these inaccuracies are having on your creditworthiness and any adverse effects, such as higher interest rates or denials for credit applications. 

Clearly state your expectations for the resolution, emphasizing the need for a thorough investigation and the prompt removal of the fraudulent items from your credit file. 

Specify a reasonable deadline for the credit bureau to respond to your complaint and take corrective action. Iam asking for your assistance to remove these fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I asked XXXX to delete late payments and adverse accounts showing collection or charge offs. I did not give written consent for these adverse accounts to be reported on my credit report, further more XXXX had a security breach in which my information was impacted. My life has been negatively impacted by this as I can not get the credit that I need at this time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
Hello, My name is XXXX XXXX XXXX. I am writing this complaint because I keep getting a run around from Equifax and XXXX on how I should submit my proof of my bankruptcy to have several accounts removed or corrected on my report. I submitted my letter with a copy of my social security card, driver 's license, current address, and my full name ( which is what they each requested ) on XX/XX/23. On XX/XX/23 I called into each of them to see about an update and they both stated that they see the documents, but they have not been processed. I spoke to a supervisor with each company and they stated that they would expedite the request as the documents had been sitting there since XX/XX/23. I called back today XX/XX/23 to check the status but they stated that the documents would not be processed since they were sent in by a 3rd party credit repair company. Why would they not have told me that the documents needed to come straight from me?! They knew that I was working with someone to fix my credit and they did not tell me anything. I have been the one talking to them, not my credit repair company. This is SO frustrating and has wasted the past 3 or 4 months trying to correct this. The supervisor at Equifax was especially rude and pretty much told me that there is nothing that they can do about it and that I should ask more questions next time. This is ridiculous. You would think that someone at such an important place such as the credit bureaus would be much nicer and more help. I am very upset at the poor information that was given to me by Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: McCarthy, Burgess & Wolff, Inc.
State: ID
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I responded to the email and notified the debt collector to not contact me at all, because I do not owe this debt. 
They continued to email me and ignore my request for them to stop contacting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I HAVE FILED MULTIPLE DISPUTES WITH XXXX XXXX XXXX. THIS ACCOUNT WAS OPENED BACK IN XXXX. HOWEVER, CREDIT ACCEPTANCE IS REPORTING INACCURATE INFORMATION ON THIS PREVIOUS AUTO LOAN. THEY ARE REPORTING ME ''LATE '' WHEN I HAVE NOT BEEN LATE ON THIS ACCOUNT. FURTHERMORE, I HAVE SPOKEN WITH A REPRESENTATIVE IN THEIR DISPUTE DEPT SEVERAL TIMES AND I WAS TOLD THEY WILL FIX THE ISSUE. THE ISSUE IS THEY ARE REPORTING NEGATIVE INFORMATION ON THIS ACCOUNT. ALSO, THEY ARE NOT UPDATING ANY PAYMENT STATUS?! I HAVE ALREADY PROVIDED BANK STATEMENTS THAT SUPPORT MY DISPUTE. ALSO, CREDIT ACCEPTANCE HAD SYSTEM ERRORS DURING THE PANDEMIC THAT PLAY IN FACT. AFTER, I REVIEWED A LETTER FROM THEM THIS MONTH XX/XX/XXXX. THEY ARE STILL NOT REPORTING ANY ACCURATE INFORMATION! THIS ACCOUNT IS NOT SHOWING ANY CREDIT HISTORY, TERMS, OR PAYMENT STATUS. THEY ARE ALL EMPTY! THIS NEGATIVE INFORMATION IS HURTING MY CREDIT SCORE XXXX POINTS FOR ABSOLUTELY NOTHING! THE CREDIT BUREAUS ( EQUIFAX AND XXXX ) ARE HOLDING THEM ACCOUNTABLE FOR THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft I have accounts on my credit report that I have Disputed which I spoking to the credit bureaus numerous of times, and they request a police report and a copy of my drivers license and I even sent a FTC report requested by the credit bureaus. I did comply with everything that they asked me to and Im still having problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I can't get an apartment about to be XXXX  because of negative information its defamation of my character. according to the 15USC and 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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.

has violated my rights. Or a list of inquiries : 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 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 non-monetary relief
Consumer complaint received 2023-12-14
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
The seller XXXX XXXX based in XXXX kept postponing of shipping in stock orders because they were too busy handling other orders. After Paypal dispute time period was over the seller stopped responding. Paypal denied my dispute requests because their 180 days payment protection period is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: Lien Enforcement Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Lien Enforcement , Inc. to collect a debt of {$4600.00} dated XX/XX/. 

I sent a letter through USPS Certified Mail with Return Receipt on XX/XX/XXXX  that requested additional information for debt validation. This request for additional information for debt validation included the request for information such as the name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, the amount owed, and verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. 

The USPS Return Receipt was signed by the addressee with a date of delivery on XX/XX/. 

I have not received any written communication related to my request for additional information to validate the debt as of XX/XX/. 

The only written communication I have received from Lien Enforcement , Inc. as of XX/XX/XXXX  is another letter stating that a debt is owed and a negative credit report may be submitted to a credit reporting agency

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