BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-02
Company: Experian Information Solutions Inc.
State: OK
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:
I have reached out to the 3 credit bureaus to no avail, they stated that i cant not dispute the items with them.

Under the FCRA i should be able to dispute these items with them.

I have reached out to the furnisher of the inquires and they can not or will not verify the inquires

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 2021-03-21
Company: EQUIFAX, 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 recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: YSA ARM LLC DBA Oxygen XL
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Company called XXXX XXXX has ruined my credit for past 4months ... I have disputed it Numerous times ... .that I have no knowledge of this debt ... please help me delete and update my credit file.. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions 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 a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2023-04-17
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXXT ) XXXX Balance : {$3000.00} ; 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 2021-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
I have reached out to the 3 credit bureaus to no avail, they stated that i cant not dispute the items with them.

Under the FCRA i should be able to dispute these items with them.

I have reached out to the furnisher of the inquires and they can not or will not verify the inquires

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 2023-04-17
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-03-31
Company: EQUIFAX, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
New Dispute, EQUIFAX will not let me access my report according to law with ease, since I've put in complaints as well as certified mail EQUIFAX will no longer let me in to view my profile. I am Depressed Very Bad, EQUIFAX is hurting me causing damages where as i am moving this month and can not let them check my credit due to EQUIFAX dropping my score drastically. It has cause headaches and pain not to mention XXXX knowing, my chances are next to none now because of EQUIFAX. I've did some of my own research and found on public law this is Identity Theft, As I Search Public Law 18 USC 1028a that is Aggravated identity theft, I do not consent to EQUIFAX Furnishing, Housing or producing my personal Information. I did not give written consent for XXXX to do so. As I Search Public Law 15 U.S. Code USC 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. All Codes Public Law Keep all Accounts Remove negative Information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
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: Account information incorrect

Complaint:
MY STUDENT LOANS WERE ZEROED OUT AND PAID OFF FOUR MONTHS AGO. i HAVE SENT DOCUMENTATION TO BUREAUS YET XXXX KEEPS UPDATING AS ACCURATE.

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 2021-08-03
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
I have these accounts that are not mine and i want them to be removed from my credit report. 

1. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

2. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft TOYOTA MTR Account Number : XXXXXXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
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:
No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ). ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. This is fraud pursuant to 18 U.S.C 1028 ( a ) ( 1-8 ) and can be punished not more than 15 years in jail or a fine. 18 U.S.C 1028 ( b ) ( 1 ) ( A ) ( I-ii ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: MD
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'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
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 2023-12-13
Company: Experian Information Solutions Inc.
State: NC
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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
All number of companies had place hard inquires without my consent. 
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 2023-12-14
Company: Experian Information Solutions Inc.
State: NV
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:
this inquiries are reported to my credit report by someone who has my identity and all my personal information. inquiries are 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 2023-12-13
Company: PatientFi, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Opened my XXXX app and saw my credit score dropped due to an account that was opened for {$2300.00} and no payments were made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Experian Information Solutions Inc.
State: LA
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 name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-03-31
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I booked a round trip flight reservation for my family in XX/XX/XXXX through the US Bank XXXX XXXX XXXX using points we had accrued using a US Bank credit card. The flight was for a trip taking place in XX/XX/XXXX. A few days before this trip was to take place, I tried to check our reservation to verify our familys seats, and I was surprised to find that our reservation could not be found using the airlines confirmation code. I called the US Bank XXXX XXXX XXXX and spent the next 3+ hours on the phone with the representative going back and forth with the airline. Apparently our outbound flight reservation was never confirmed and we lost our reservation. I was presented with options to be rebooked on a different flight with the same airline ( the original flight was apparently no longer available ) 3 times, and each time the representative came back to tell me those options were actually no longer available. So after 3 hours I was told my only viable option was to cancel the booking and get a refund. My family had already purchased theme park tickets, booked a hotel room, and a rental car for our trip so being without flights was a huge problem. They offered no other option such as rebooking on another airline at no cost, so we were stuck with booking a new roundtrip flight 3 days before departure at more than double the cost of what we originally paid in XX/XX/XXXX. We are looking to be reimbursed for the cost of the new trip in addition to a refund for the original booking, due to the error being no fault of our own. The US Bank representative I spoke to told me I would need to go through the airline rather than them, even though we made the reservation through US Bank.

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 2018-06-28
Company: Aldridge PIte Haan, LLP
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Account has been paid in full. XXXX XXXX forwarded my file to a law firm- Aldridge , Pite & Haan . I made the following payments : XX/XX/XXXX- {$640.00} XX/XX/XXXX- {$230.00} XX/XX/XXXX- {$68.00} These incompetent, morally corrupt lazy people have not reported this  accurately to the credit bureaus leaving my credit score to be adversly affected while i am trying to buy a house. Ive called numerous times and spoke to several people and they refuse to remove this from my credit report. I have disputed this information 4 times and each time they state that the information is correct on my credit report and it clearly is not!!!!

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 2018-11-08
Company: EQUIFAX, INC.
State: AL
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 disputed the information through XXXX XXXX in XX/XX/XXXX is order for this information to be removed from my credit report. I have contacted a credit counseling agency and they will send letters to the credit bureaus to remove the information from my credit report. Basically someone has used my social security number to obtain student loans in my name. I was XXXX from XX/XX/XXXX through XX/XX/XXXX. I did not graduate from high school therefore I do not qualify for student loans and I have never attended a college or university.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: SYNCHRONY FINANCIAL
State: NE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Syncrony has single handedly destroyed my credit. i had a pay pal mastercard from syncrony, disputed an obvious duplicate charge, two mos later i paid this card in full to a XXXX balance. this same day they did a chargeback of 150 and closed my account. i had never been late on a payment but i requested paper copies of all my statements when i paid off the balance, they were never sent of course and have tried several dozen times to contact syncrony but none of their cs reps can do anything with a closed acct, which now has a balance of 577 due to all the penalty fees they continue adding after it was closed. then they sent mye to collections and i was hopeful it would be resolved. The man investigated what i told him had happened and i got a letter from him to call but when i called the collection company yesterday i was informed they no longer could help me and said syncrony had recalled my debt due to error so i could contact them..it is impossible to speak to anyone who has any knowledge or authority at syncrony,. every phone call is an hour long and all they do is give u a different phone number to call and same person answers. this morning i got XXXX  notification they are now reporting a new delinquent acct on my report. im very upset. this is the only company i have issues with and every acct i have with them is terribly wrong

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 2021-08-24
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:
An utility account with XXXX was fraudulently opened in my name in XXXX of XXXX. At the time, I was enrolled in credit monitoring services and contacted XXXX immediately. XXXX verified my social security number was attached to an order scheduled for an installment in XXXX. I was not a customer or a resident of PA at any time, nor had I provided my information for the purposes of obtaining credit to anyone. XXXX canceled the installation delivery, but refused to provide details of the name on the order. In XXXX of XXXX, they sent me to collections for {$750.00}. I have called XXXX several times about this matter and have disputed this with the credit bureaus. TransUnion states the account meets its requirements.

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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  # XXXX XXXX Account name : XXXX # XXXX XXXX  # XXXX Account name : XXXX  # XXXX Account name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account name : XXXX 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 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