BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have submitted multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 2022-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Company: Retail Merchants Associates
State: LA
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:
This collection agency is violating my rights under the No Surprise Act of 2022. I have a medical bill that an out of network provider is charging without my prior authorization. I am requesting this item be removed from my credit report immediately as under the conditions of the FCRA I am allowed a fair and accurate credit report. Please see details below : XXXX XXXX XXXX XXXX XX/XX/XXXX in the amount of {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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 did not give the credit reporting agency written permission to report the following reports : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Congress said that the bank system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. You have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. You assumed a VITAL role, and this is a violation of my privacy-I never gave authorization to report this ever to you directly. Delete this account immediately. An investigative report is suppose to be fair for the consumer and alsi is not suppose to include factual information on a consumers credit record obtained directly from a creditor of the consumer, delete this account from my consumer report. You might not want to be tied to this account, because I have put XXXXXXXX XXXX XXXX  on notice.

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 2022-06-08
Company: Diversified Acceptance Corporation
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello- I have this old closed account on my credit from XX/XX/2017 over XXXX + years .... 
M.Leonard and ASSOC. keeps updating the amount by a few dollars and reporting to my credit every month .I have sent a validation letter to them, and they have not provided any information and it has been over 30 days. How is that even allowed? 
Only noticed this was on my credit report and have not rcvd anything from M.Leonard and ASSOC.

This account needs to be removed from my all credit reports as it closed but keeps reporting a balance increase.. Please help me get this collection agent removed Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: NC
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:
Hi, I am a natural, living human. Equifax is governed by 15 USC 1681. I have rights under 15 USC 1681 to protect and receive. Equifax has violated my rights. I respectfully demand the account listed below be removed because I have the right to privacy, and I did not give Equifax written permission to furnish these accounts, nor did I provide Equifax in writing that they could share my credit report, or provide my credit report to XXXX XXXX XXXX ( Account Number # # # # # # XXXX ). A company I have never heard of, nor have completed any business dealings with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Under the fair reporting act I have the right to be informed 30 days prior to any negative report against me I clearly showed u that I was in New York XXXX XXXX 6 months prior from your letter of your purchase of debt I have requested numerous of times that your show me proof of purchase or payments made bi me which I am allowed bi New York State fair credit act of 2021 including payment history and none has been provided other then a sheet of paper with an amount .. and a letter state your purchase of debt..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: ONLINE Information Services, Inc.
State: LA
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:
This collection agency is violating my rights under the No Surprise Act of XXXX. I have a medical bill that an out of network provider is charging without my prior authorization. I am requesting this item be removed from my credit report immediately as under the conditions of the FCRA I am allowed a fair and accurate credit report. Please see details below : Online Information Ser XX/XX/XXXX in the amount of {$150.00} Online Information Ser XX/XX/XXXX in the amount of {$760.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX  XXXX Balance {$1000.00} XXXX XXXX XXXXXXXX Balance {$510.00} XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX Balance {$420.00} XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance {$4500.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX Balance {$410.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$830.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$480.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$79.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$1200.00}

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 2022-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The reason for this letter it to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. Because I did not apply for credit with the company stated below CAPITAL ONE XX/XX/XXXX XXXX CAPITALONE XX/XX/XXXX XXXX CAPITAL ONE XX/XX/XXXX XXXX CAPITALONE XX/XX/XXXX XXXX CAPITAL ONE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I have also reached out asking that they remove the inquiry from my credit profile. Please launch an investigation into CAPITAL ONE, XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if the creditors above is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Company: Nationwide Recovery Systems, Ltd
State: LA
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:
This collection agency is violating my rights under the No Surprise Act of XXXX. I have a medical bill that an out of network provider is charging without my prior authorization. I am requesting this item be removed from my credit report immediately as under the conditions of the FCRA I am allowed a fair and accurate credit report. Please see details below : Nationwide Recovery SY XXXX XXXX in the amount of {$270.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My elderly XXXX had a XXXX XXXX XXXX. She wanted to collect XXXX XXXX as points with large purchases. I moved to help prepare and continue caregiving for her. I used the card, letting her know, for my moving and storage costs. I paid a portion of the bill and she then asked me to start to pay her directly because she is in dispute with XXXX. Instead, XXXX keeps reporting this card on my account. I have written two letters, responded to a request via handwritten form mailed as well as have called, with my mother in the room. I've called several times. The XXXX XXXX says my name is not associated with the account. The account shows up on ALL my Credit Reports. I am trying to buy a Home as I am a student and need stability. This is preventing me from using Down Payment assistance programs and has forced me to miss out on home purchasing while the interest rates were lower. My credit was stellar prior to this. This is an act beyond norm as I have also been harassed and investigated, without reason, by them. They are interested in taking over my mother 's assets as well. All of it is unfair, unjust and I've tolerated enough. The XXXX Legal Dispute team for Credit Issues located in XXXX XXXX has not responded nor have the individuals. My Credit report was just run again today and still shows the issue. They confirmed removal in XXXX, XXXX and XXXX XXXX XXXX I checked again and a mortgage lender tried and found issues still. By XX/XX/2022 the issue still existed and I wrote a follow up letter. My credit score has gone down another XXXX XXXX XXXX This is such a blatant attempt to try to put stress on an already stressed family dealing with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Please assist. 

Thanks! XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My elderly XXXX had a XXXX XXXX XXXX. She wanted to collect XXXX XXXX as points with large purchases. I moved to help prepare and continue caregiving for her. I used the card, letting her know, for my moving and storage costs. I paid a portion of the bill and she then asked me to start to pay her directly because she is in dispute with XXXX. Instead, XXXX keeps reporting this card on my account. I have written two letters, responded to a request via handwritten form mailed as well as have called, with my mother in the room. I've called several times. The XXXX  Rep says my name is not associated with the account. The account shows up on ALL my Credit Reports. I am trying to buy a Home as I am a student and need stability. This is preventing me from using Down Payment assistance programs and has forced me to miss out on home purchasing while the interest rates were lower. My credit was stellar prior to this. This is an act beyond norm as I have also been harassed and investigated, without reason, by them. They are interested in taking over my XXXX XXXX  assets as well. All of it is unfair, unjust and I've tolerated enough. The XXXX Legal Dispute team for Credit Issues located in XXXX XXXX has not responded nor have the individuals. My Credit report was just run again today and still shows the issue. They confirmed removal in XXXX, XXXX and XXXX XXXX XXXX I checked again and a mortgage lender tried and found issues still. By XX/XX/2022 the issue still existed and I wrote a follow up letter. My credit score has gone down another XXXX XXXX  since. This is such a blatant attempt to try to put stress on an already stressed family dealing with illness, loss, XXXX XXXX XXXX XXXX XXXX. Please assist. 

Thanks! XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 value your help to CORRECT a portion of the data in my credit file, yet I have an items passed on that should be investigated. Per FCRA you are expected to update these items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-29
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Put in a dispute with Experian Credit reporting agency about a debt that is well past the date to fall off my report and they wont delete it. It has to do with XXXX XXXX Account XXXX. The date it was opened with Eperian is XX/XX/XXXX, making this account 8 years old. Past the date of 7 years. Im not given any reason that I can see for the account not being removed after 2 disputes. 

Report XXXX XXXX Date Generated XX/XX/XXXX 2022

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 2023-05-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND XXXX XXXX XXXX XXXX XXXX XXXX  1 LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT

Company response to consumer: Closed with explanation