BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
We have filed numerous reports regarding the errors and to date the only thing repaired was my name. My   XXXX   score which they allude to not having anything to do with reflects  XXXX . All corrections were Filed as well with   XXXX   who has NOT updated the other  XXXX  bureau s! NOTE on each complaint filed Trans Union WAS included as 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 explanation
Consumer complaint received 2020-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2017-06-22
Company: Experian Information Solutions Inc.
State: ND
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 am a victim of identity theft and have been a victim of identity theft for well over 11 years. I have an unauthorized and fraudulent account listed on my XXXX XXXX, XXXX and Experian credit report that 's fraudulent. The following account is fraudulent : XXXX XXXX XXXX account : XXXX. Please permanently delete this fraudulent account from my credit report.

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 2017-04-10
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:
Transunion has a XXXX that is listed on my credit report. I asked them to verify it within 15 days according to FCRA within 15 days and the item was not verified. This is not my account and this collection company is constantly updating this incorrect information. And it is having negative effects on my credit score. XXXX XXXX FL XXXX XXXX It was last added to my credit report on XX/XX/2017 I want this incorrect information removed immediately and I have consulted with legal counsel.

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 2022-06-01
Company: Experian Information Solutions Inc.
State: CA
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 XXXX 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 explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts listed on my Equifax and XXXX credit report is lost/stolen : XXXX XXXX XXXX XXXX XXXX XXXX, {$450.00} and XXXX XXXX XXXX XXXX XXXX, {$580.00}. The following credit inquiries listed on my XXXX and Equifax credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My mother opened a credit card in my name when I was XXXX. She used this card for her own personal gain and wants. She was paying on this card until XX/XX/XXXX. She openly admits to opening it, however, refuses to take ownership of the situation and now I 'm left to bear her mistake. I just want it gone. I never opened it and I never saw any benefit from it. It is haunting my credit score and wo n't be taken off until XX/XX/XXXX according to XXXX. I 've filed 3 separate disputes with Equifax to no avail. All 3 determined that the card was mine even though I never opened it. Please help ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have been sending letters asking the credit bureaus to verify the information on my reports and if they cant I have asked them to remove them and delete them which they have not done to this date. It has been 4 months asking them with no help. They continue to send me back my credit report telling me they verified the information but send me nothing showing that. I want these items removed they have delayed this long enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have put numerous disputes with Equifax at no avail. I have emails with the creditor stating that the account is closed and paided in full since XXXX of 2014 and Equifax refuses to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
there are multiple problems with my accounts at Capital One which your website did not let me list them all : 1 ) They cancelled my checking account for a false " cause '' which was their fault, not mine. They paid a fraudulent charge when I had told them my account was dormant. They did NOT notify me that that took my account into the red, so I could not challenge that charge until months later. When I called their attention to it they admitted there was something very irregular with that charge. They removed it, but failed to reinstate my checking account. 

Capital One FAILED to notify me. They later gave me credit for THEIR error, but cancelled my checking account for " cause ''. 

2 ) They refuse to clarify if they submitted false credit reports against me. 

3 ) I told them to cancel my remaining savings account. They said they did in XX/XX/2019, but on XX/XX/2019 they spammed me about my " account ''. I discovered that the savings account is still open. 

There is no button online for me to cancel that account. They refuse to cancel it over the phone since I refuse to give them sensitive personal info about me. Obviously I do no trust them enough to give them that info. 
They're therefor refusing to cancel my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
The Equifax credit bureau continually reports old, outdated information on my credit file, particularly 1 account which was paid off over 1 year ago in XXXX 2014 is still being reported as an active collection account even though the collection agency indicated in writing that they have been reporting a paid in full status and XXXX balance. 
Also, I have tried disputing old, outdated information online, however, Equifax stops the online reporting process indicating they can not verify my identity and who I am. 
Which entity or agency XXXX credit bureaus which make their living by publishing old, outdated information, so credit grantors can make more money and profit because bad information is being reported on consumers?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a demand letter from Pioneer Credit Recovery , Inc. on XXXX/XXXX/2016 for {$740.00}. 

I am disputing this debt it does not belong to me and I will not pay it. I have been contacted several time by mail and by phone in a attempt by Pioneer for me to pay this fraudulent debt. 

This debt is a result of Medical Fraud, by a criminal who has used my Identity to receive medical care.

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 2022-08-04
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX account : XXXX XX/XX/XXXX. {$410.00} - Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/2022 to remove accounts account that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; & XXXX. I am including these again. 
XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$830.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX {$180.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX  ) XXXX Balance : {$2600.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$710.00}.

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 2022-06-01
Company: Experian Information Solutions Inc.
State: CA
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:
XX/XX/22 XXXX and Experian Violated my rights. see codes listed below. I have highlighted on each attachment the inaccuracies 15 USC 1681 e ( b ) accuracy of report ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 USC 1681i Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2016-04-15
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TN
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I recieved a call stating that I had won XXXX XXXX XXXX XXXX dollars, from publisher clearing house. I needed to go right then an send money for the taxes, {$1000.00}, then it would be you need to pay {$1500.00} for storage, it kept on for 2 months before I was pawning everything, about to lose everything, owe everyone because I thought it was true, an they believed in me an then when I could n't give their money back, one wanted to serve papers on me, so now I have checks bouncing, so I get her part of her money. I ended up giving them XXXX dollars, i asked for a refund but that is not going to, happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Eastern Account Systems of Connecticut, 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:
This fraudulent account has been identified with the original creditor XXXX  XXXX XXXX XXXX as a fraudulent account but has appeared twice on my XXXX  and XXXX  credit report as a new account for an amount of {$110.00} and {$150.00}. This need to removed immediately as this issue has been resolved with the original creditor as fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I 'm making a complaint against Equifax for their negligence is not removing the inaccurate reporting of these public records. I provided the proof that these are not reporting correctly and/or that they were fraudulently filed. 

Public Records US DIST CT XXXX- I 'm proving the proof that you have a date that does NOT exist reporting on this bankruptcy! You have XXXX/XXXX/XXXX listed as the open date - I notified you of this 6 times now and you have not done anything and are now in violation of the FCRA. In addition to this, I did not give authorization for any party to report this on my credit file in the first place, which is a violation of FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) - see below - and therefore ; it must be removed. 

XXXX - # 1 you have a filing date that does n't exist of XXXX/XXXX/XXXX and # 2 this bankruptcy is NOT MINE! I did not file this bankruptcy or give authorization for this to be filed on my behalf. I also am providing the proof that the accounts listed on this bankruptcy were never on my credit file in the first place! I am including the proof that shows that these signatures are not mine and the accounts listed were never on my credit report and do not belong to me. Remove this immediately. 

XXXX - # 1 you have a filing date that does n't exist of XXXX/XXXX/XXXX and # 2 this bankruptcy is NOT MINE! I did not file this bankruptcy or give authorization for this to be filed on my behalf. I also am providing the proof that the accounts listed on this bankruptcy were never on my credit file in the first place! I am including the proof that shows that these signatures are not mine and the accounts listed were never on my credit report and do not belong to me. Remove this immediately. 

FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) : ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ;

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There is no record on my credit report that I have been making mortgage payments to XXXX XXXX for the past four years. The last payment listed in my credit report is XX/XX/XXXX. In fact, my payments are up to date as of XXXX, XXXX. Additionally, I should add that my mortgage payments were not affected by my XX/XX/XXXX bankruptcy agreement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
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:
I recently obtained copy of my credit report and noticed unauthorized accounts reporting on it.

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 2020-12-28
Company: TransferWise Ltd
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I make regular transfers with the company called " Transferwise '' usually with no problem and within minutes from my bank in the United States to the XXXX. But, on XX/XX/XXXX a unauthorized transfer of {$150.00} USD was debited from my US account and was never transferred. I made a fraud report today ( XX/XX/XXXX ) with my bank in this matter but Transferwise has not replied to my messages. I also recently made another {$150.00} transfer on XX/XX/XXXX that was for some reason delayed which is usually not normal. Due to the delay I cancelled it but they still debited my account and are stating that they did not receive the money but when they do it will be refunded. Both cases are very suspect as usually they transfer the cash almost immediate before they even debit my account and sometimes that takes a few days. I suspect fraud in both cases

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My husband and I printed our credit report, and there was a judgement on the report from 2011. We paid this years ago, after going to the State and getting a print off of Satisfaction of Lien, we then went to the XXXX XXXX XXXX court, who explained we would have to submit a complaint to each reporting bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union is not responding to my request to investigate and remove some accounts from my credit report that do not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX Account starting with # 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 explanation