BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX XXXX : {$0.00} ; 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 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 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Balance : {$620.00}

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 non-monetary relief
Consumer complaint received 2017-09-11
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: Account status incorrect

Complaint:
show i owe XXXX XXXX XXXX when i owe them nothing balance paid i full. moved to XXXX in XXXX XXXX dont owe any bills in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 disputed an Adverse Account on Credit report file # XXXX by XXXX XXXX XXXX ( XXXX ). 
My Loan was to be paid by XXXX XXXX, XXXX XXXX XXXX, XXXX Co XXXX.who never changed the mortgage holder after they were notified XX/XX/XXXX from XXXX XXXX to XXXX. My mortgage payments were made from my XXXX XXXX checking automatically bi weekly to XXXX XXXX. I have copies of bank statements verifying these payments. XXXX XXXX continued to pay XXXX XXXX in error by their own statements and had written to XXXX of their error and that it would be resolved. I was worried about my credit report because even though XXXX was notified of the error and said I would not be reported as late, they reported me to Transunion as delinquent from XX/XX/XXXX to XX/XX/XXXX. As it turned my perfect credit was marred by this error, of which was not my failure to pay, but XXXX error and it was compounded by XXXX 's failure to cooperate with all my requests and correspondance from XXXX XXXX. They were keep in the loop during the entire 7 month period by voice, email and fax by myself and XXXX XXXX who had taken full responsibility.

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 2022-07-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be investigated and correct : XXXX XXXX Balance : {$8300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
U S DEPT OF ED/GSL/ATL // ACCOUNT NUMBER : XXXX is not accurately reporting my information to credit bureaus. Balances : {$2000.00} // {$9400.00} // {$5700.00} // {$6100.00} // {$570.00} DPT ED/AIDV // ACCOUNT NUMBER : XXXX is still reporting inaccurate information to ( XXXX ) Each Credit Bureau is inconsistent in how my information is being reported : On my EXPERIAN report / file, the account is showing Closed and in Collections On my TRANSUION report / file, the account is showing Closed with NO PAYMENT HAVE BEEN REPORTED ON THIS ACCOUNT BALANCE UPDATES are inaccurate : Experian is showing XX/XX/XXXX // XXXX is showing XX/XX/XXXX Payment history is showing Collections, Unavailable Data, and multiple inconsistencies. 


Also the CARES ACT of 2020 states that ALL STUDENT LOANS accounts are suppose to cease reporting to credit bureaus any information that will affect the borrowers.

My Credit report and Credit Score has been seriously affected by the STUDENT LOAN negative reporting. And my consumer rights were violated for unfair, inaccurate credit reporting. 

I have disputed report with the Credit Bureaus, but their response and updates are still inconsistent with each other even though they claim that the information being reported is sent from the same source.

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 2017-09-12
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX, EXPERIAN, XXXX All 3 credit reporting agencies are not providing easy ways to manage credit freeze thaw process : websites not working phone in systems not working or no phone number provided to call

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 2017-04-25
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My name is  XXXX   XXXX , I had a  XXXX   XXXX  account with account number  XXXX . My account with  XXXX   XXXX  ended in  XXXX  of  XXXX  when I moved to an apartment that did not have a clear view of the southern sky, which per their rules resulted in the contract being canceled without penalty. Per their agreement, I was to send back the  XXXX   XXXX  receiver and  XXXX   XXXX  remote which I did during  XXXX  of  XXXX . There were some issues with  XXXX  not realizing that I had shipped the box to them already and for some period of time they would call me about it, however in late  XXXX  or so after repeated conversation with  XXXX , they realized that I did in fact shipped the receiver and it was in their possession. My understanding was that the matter was resolved. However I just discovered in  XXXX  of  XXXX ,  XXXX  has turned the account over to collections to Enhanced Recoverey Collections which has reported the collection account of {$290.00} on my credit report. The {$290.00} is for the allegedly unreturned  XXXX   XXXX  receiver, despite the fact that it was returned. This is a debt I do not owe. I 've called both  XXXX   XXXX  and ERC about this, neither are willing to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00}

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 2019-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 formally disputed XXXX XXXX XXXX  directly with the credit bureaus in regards to their illegal reporting and have not received any satisfactory reply..Therefore I am now filing this complaint and request a method of verification pursuant to the FCRA, including the  name of the person with whom you spoke who has firsthand knowledge of the account in question.. 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 General 's Office, should you continue reporting this erroneous item 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 2017-09-04
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, XXXX we broke our lease with XXXX XXXX. We paid in full according to the lease agreement and apartment mananger : XXXX XXXX, {$2100.00}. We have a copy of the check and the managers signature confirming lease was paid in full and we turned in the keys. The apartment complex is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX In XXXX XXXX we start getting collection calls from National Credit Systems, XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX XXXX we owed XXXX XXXX XXXX {$500.00} for unpaid rent in XXXX. We told him we paid lease in full and that manager confirmed by signing receipt and copy of our check. He warned we will have negative credit reporting unless we paid or sent him proof we do n't owe it. I confirmed he had same information we have showing lease agreement and copy of check. Before this, we have received nothing in writing from the apartment complex or his agency and have been repeatedly getting collection calls all hours of the day even at work. XXXX # is XXXX. We paid this in full and have proof and so does the apartment complex, we are baffled as to why they are pursuing unlawfully damaging our credit when we have copy of early termination lease agreement and copy of check with managers signature and her card stapled to it that she gave us the day we paid her and turned in the keys.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04
Company: Jenkins, Wagnon & Young, P.C.
State: TN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
When selling a home in XX/XX/XXXX I learned a judgement was obtained against me and would take the amount owed from the sale of our home. I called the law firm whom filed and found the judgement was on a student loan obtain by fraud by XXXX XXXX. I followed the direction of this law office and filing their fraud packet ( mail XX/XX/XXXX ). The law office and XXXX did determined it was obtained through fraud. The amount ( {$7200.00} ) was not taken from the sale of our home and I was removed from the account. The problem I have now is they never removed the judgement or provided me with the paperwork to allow me to remove this. After moving I provided this law office with my new home address and phone number. I continued to call this office for some type of letter to remove this judgement. Each time I call for some help to get this judgement remove I get excuses and promises. I am at wits end. The law office in question is : Jenkins, Wagnon, and Young P.C. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card
Issue: Late fee

Complaint:
Today ( XX/XX/XXXX ) I called Barclay Card to make a payment @ XXXX EDT today the customer service # XXXX stated that no automated service was available and to call back later. There was no option to reach a customer service rep either. I called a direct phone number I had to reach a representative. The AVR system ask for last for digits of SS #, my DOB, account number. I was then directed to a collection department. The person by the name of XXXX answered, proceeded to ask me again for the same information I just gave to the AVR system. I refused to give him this info because I had just given the info already. He refused to help me because I refused to give him such info. 
I placed a call to XXXX at the office of the President to share my experience. I left her a voice mail. On XX/XX/XXXX I spoke with XXXX who informed that she would be reversing all the late charges, due to misunderstanding. She also indicated the late charges would take some time. For a while I received some collection calls, as she stated would happen. But, when I called today to make a payment, I was told that the account was past due. A 2nd call today was answered by XXXX, again, XXXX and then Manager : XXXX both refused to render any customer service because I would not repeat info I had just given to the AVR system. I feel Barclay Bank deliberately antagonizes customers. I DO NOT owe Barclay any late charges. I would like to have my account balance restored and originally agreed by XXXX. I want any 30 day lates removed from my credit report and confirmation of such.

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 monetary relief
Consumer complaint received 2021-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
Capital one is reporting incorrect information on my XXXX  and XXXX  report how can the same account show different data last activity on XXXX  is XXXX XXXX times late XX/XX/XXXX XXXX XXXX  last activity XXXX XXXX Late 30/60/90 XXXX Also charge off dates different XXXX And month reviews are different XXXX  XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX XXXX - this is not my account, I did not sign up for an account with this company, XXXX XXXX XXXX - this is not my account, XXXX XXXX - no mine wrong account number, XXXX  XXXX  XXXX  ( Original Creditor : XXXX XXXX   XXXX  XXXX XXXX ) XXXX , XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX .. I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first. The accounts do not belong to me, either these creditors made a mistake placing them on my credit report or someone messes up with my personal information, either way, I want you to remove them asap

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 2017-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted Transunion on multiple occasions to remove a tax lien on my account that does not conform to the new standards put into place on XX/XX/XXXX.  They refuse to remove the tax lien even though the other two credit agencies have removed it. The tax lien is listed below : Tax Lien Reported onXX/XX/XXXX- {$7300.00} Paid Overview Reference Number - XXXX Date Filed Reported on - XX/XX/XXXX Classification Lien Responsibility - Individual According to the new guidelines, established by a class action lawsuit brought against the credit agencies, they must have the person 's date of birth and/or social security with the consumer 's address in the tax lien filing. Transunion will not comply with the new ruling. Please investigate them. 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 2017-09-11
Company: NCB Management Services Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Based on my most recent credit report, NCB Management Services has been reporting a collections amount of {$11000.00} which is for a XXXX XXXX that was repossessed by XXXX XXXX XXXX. 

On my credit report, XXXX XXXX XXXX reported the account CLOSED as of XX/XX/XXXX ( said XXXX XXXX was repossessed in XX/XX/XXXX ). 

NCB Management Services nor XXXX never reached out to me to inform me of the collections and though the account is closed with XXXX XXXX XXXX, NCB Management Services has never contacted me via mail, email, text nor phone regarding this account. 

NCB Management Services continues to report the account to the 3 major credit bureaus in order to keep that account current and longstanding. 

In an effort to purchase a home, this has been a major issue with the underwriters. 

I wrote a letter to the 3 major credit bureaus to verify the account and it validity and the remarks were unfavorable because at no point was it stated how the account was verified. 

Thank you for kind assistance on this matter.

Company response to consumer: Closed with explanation