BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Per The XXXX XXXX XXXX XXXX XXXX. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] a consumer reporting agency shall block the reporting of any information in the file a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I have sent an FTC identity theft report NUMEROUS times and you are in VIOLATION of this law because I am a victim of identity theft!!! These accounts are a result of identity theft. Account name : Account name : XXXX XXXX XXXX Account number : XXXX, Account name : XXXX XXXX XXXX Account number : XXXX Please delete these items IMMEDIATELY! I have attached my identity theft report. These accounts should not be furnished on my consumer report as they are in XXXX!!! Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection 9 ( 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, I NEVER gave any consumer reporting agency WRITTEN INSTRUCTIONS to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts IMMEDIATELY. Lastly per the FCRA I am entitled to {$1000.00} per FCRA Violation. Please send me a check for {$2000.00} for willful violation of [ 15 U.S.C. 1681c-2 } and [ 15 U.S. Code 1681b ]. I trust that Transunion do not want to this matter to go into a court of law as I am litigious consumer. Please remove these items from my credit report. Attached is a copy of my identity theft report that list these XXXX items.

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 2022-04-19
Company: Social Finance, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was alerted to a fraudulent credit inquiry by XXXX on XX/XX/2022. It was by a personal loan company named XXXX. I immediately alerted XXXX that this was fraud, and they told me they would take the necessary steps to make sure more fraudulent activity did not take place. I also contacted XXXX immediately and let them know that this was identity theft and that XXXX owner of the XXXX being useddid not apply for any loans. The next day, despite being on the phone for over an hour with XXXX the previous day, another hard inquiry for a personal loan from SoFi was allowed through. My accounts, reports, etc are frozen. I have placed alerts on all three bureaus. Furthermore, XXXX has made it their policy to never talk to a customer unless they are a business customer. Their automated system menus are deliberately designed to lead callers to dead-ends and hang up on them. They dont take their duty as to the public as a credit reporting agency seriously and are not even willing to fulfill the basics steps to protect the identity of the people whose information they sell. I have not been able to get a response from them or Sofi at this point. I am purely depending on credit locks and freezes and my personal diligence to protect my finances. The hard inquiry on my credit still remains. Luckily, I dont believe any loans were generated as I reacted within minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2019 I made 2 check deposits through the mobile app for fifth third bank. The 1st check was immediately available, in the amount of {$180.00}. The second check, in the amount of {$850.00} was placed on hold for 7 business days and no funds are available. Even after 1 business day, the first {$200.00} is not available. From my understanding about federal law, deposits under {$5000.00} are required to have {$200.00} available the next business day. I have contacted several people by phone, and even visited my local branch with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is 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 2023-05-10
Company: Experian Information Solutions Inc.
State: CT
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:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use 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 non-monetary relief
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use 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 non-monetary relief
Consumer complaint received 2021-08-23
Company: Genesis FS Card Services, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I tested positive for XXXX the end of XXXX and havent been able to work since. XXXX flared up severe joint pain to the point where I have trouble walking around at times. I contacted indigo regarding my credit card payments and I was having a hard time paying my bill, and they have not once worked with me. I just tried to call them again today and still they have no options for me. I am still unable to work at this time, and I have no income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: EQUIFAX, 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:
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 


2. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 


3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 


4. 15 US-CODE 16921 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 


5. 15 US-CODE 16921 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete this account. 


6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 


8. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Personal information incorrect

Complaint:
I called TransUnion to update my address since I recently moved. I confirmed the proper spelling of my address, however, when it was updated on my credit report, they misspelled the address. 

I called back to update the misspelling, however, they told me I could no longer update it by phone. I sent them a letter and there has been no update on my credit report or a reply that the letter was received and being addressed.

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 2023-06-01
Company: EQUIFAX, INC.
State: TX
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 made multiple attempts to rectify this issue by reporting the fraudulent inquiries that appear on my consumer report. Your actions have caused me significant mental and financial distress, as you have issued an inquiry that is not associated with me and for which I bear no responsibility. This incident is a clear case of identity theft, and I am prepared to pursue legal action if my complaint is not addressed promptly and appropriately. These inaccurate and fraudulent entries on my consumer report have prevented me from fulfilling my dreams, such as purchasing a house and meeting my family 's needs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I purchased a vehicle and it was repossessed/stolen on XX/XX/XXXX. XXXX XXXXwithout following legal proceedings accordingly and sold the vehicle on XX/XX/2022. I sent a Cease and Disease but they responded only to say they did nothing wrong and did not answer the affidavit of truth and are continually trying to collect on a debt that, I the Living person do not owe. I receive a letter of balance I should pay after the sale of the stolen vehicle dated XX/XX/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 2018-05-04
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:
In XX/XX/XXXXmy car was financed thru XXXX XXXX and my last payment should have been in XX/XX/XXXX. However, I disputed the amount XXXX XXXX tried to collect from me and refused to pay after they threatened to repossess my car and damage my credit rating. I immediately discontinued all further contact and made no further payments. This account was then closed/charged off in XX/XX/XXXX by XXXX XXXX at which point I began getting collection calls from their representatives and collection agencies. When I asked the collection agency for a Debt Validation report because the amount XXXX reported as owed was in error, I never again heard anything from either the Collection Agency or XXXX XXXX. EVER. Not one single word.

In XX/XX/XXXX, I decided to purchase a new vehicle and my dealership advised the best course of action would be to turn in my vehicle to them ( they would have it picked up by XXXX XXXX XXXX agent of choice ). This was done and in XX/XX/XXXX, I contacted XXXX XXXX to discuss a settlement so that I could pay a fair price for the remaining debt and move on with my life. We agreed upon an amount and I paid it over the telephone. ( Copies attached ). I also have a letter from XXXX XXXX in which they explicitly state that the settlement terms included the agreement that neither party would attempt to file any further charges, lawsuits, etc. against each other. However, after XXXX XXXX received their monies, they backdated and made changes to my credit report and continued to do so. I should not have " CHARGE OFFS '' and BAD DEBT notations on my report ... month after month ... beyond the date my account was closed. This is a violation of my rights and is an example of a company using their power to harass me thru the illegal reporting of incorrect data to the CRA 's. Fortunately, XXXX  does not allow this practice and has corrected the account based on my previously filed grievances.

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 2023-02-14
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 just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: IL
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:
my information was sold and bought illegally because I was victim of the Equifax data breach I want these items Deleted from my credit report effective immediately I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing .Please help me delete these illegal accounts from my credit reports. 

US DEPT. OF EDUCATIONXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: VA
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:
Hello Im filing this claim to have my credit report corrected. The company XXXX has reported false missed payments and Delinquencies to all the credit Bureaus. I have not missed any payments on this account. I paid this account balance down to XXXX in XXXX, and I have not with drawn since. The information being reported to the credit Bureaus is false and its effecting my credit score in a negative way. As of right now they are reporting a balance of XXXX and XXXX missed payment from XXXX through XXXX. I paid this account XXXX to XXXX in back XXXX and have not with-drawn since. I am not aware of any transactions that were made from XXXX through XXXX. This app is a scam. Please remove them 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 explanation
Consumer complaint received 2020-06-06
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 baffles me that I am repeatedly battling the same problems with the credit bureaus in regards to them reporting fraudulent information on my credit files ... .I have a fraud alert on my credit files for a reason!!

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. 

EQUIFAX : XXXX XXXX XXXX ACCT # XXXX, I HAVE NEVER LIVED IN XXXX, GEORGIA!! 

INQUIRIES : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  : INQUIRIES ... ..XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
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: Information belongs to someone else

Complaint:
Recently, I've grown an interest in monitoring my credit. I am ready to purchase my own home. As I've gone through the accounts and collections displayed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. Please remove these negative items from my report, they are indeed fraudulent and do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: MN
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I XXXX XXXX XXXX have some Fruad inquiries on my Equifax report I have listed the inquiries below. 


XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX  XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023

Company response to consumer: Closed with non-monetary relief