BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-17
Company: Experian Information Solutions 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 my credit report and I have accounts that do not beling to me. I lost my identification and someone obviously opened so many accounts in my name. Let me know what I need to do. Please investigate these accounts and remove them from my credit report. These fraudulent accounst are causing me many hardships with obtaining anything that is credit related.

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 2023-04-05
Company: EQUIFAX, 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. 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 : XX/XX/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  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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Commonwealth Health Corporation
State: KY
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:
I submitted dispute and they did not fix it. There are 3 accounts that are incorrect. All three are paid by garnishment and or by insurance also they made the balance greater after my dispute and it is on a closed account.They will not allow me to dispute anymore and it leaves the accounts showing negative on my report however other credit reports did fix them but XXXX and XXXX and XXXX  XXXX  is blocking me to prevent me from disputing these accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 my credit report and I have accounts that do not beling to me. I lost my identification and someone obviously opened so many accounts in my name. Let me know what I need to do. Please investigate these accounts and remove them from my credit report. These fraudulent accounst are causing me many hardships with obtaining anything that is credit related.

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 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX XXXX did not have authorization or permissible purpose to access 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 2023-02-11
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I started an Auto policy with XXXX - XXXX XXXX office in XX/XX/2021. My monthly amount remained the same until I requested to remove a car and stop auto bill. At that point I was double charged and the funds actually came out of my account. I requested a refund from the agent XXXX XXXX and got the run around. Soon my policy was approaching termination due to them not fixing the billing error although I was assured by their XXXXXXXX XXXX XXXX Dept XXXX - escalation XXXX No one ever followed up. When I contacted XXXX XXXX XXXX HE was very rude and irate after I advised I would like another agent and this issue to be escalated to whomever he reports to. My policy was cancelled a few days ago. Although XXXX the owner advised he needed to research and follow up he never did. A month or so later the charge showed on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2018-08-24
Company: Johnson Mark LLC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This is a complaint against Johnson Mark, LLC ( previous known as XXXX, XXXX, XXXX XXXX, XXXX ) that practices business at the following address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Utah XXXX Johnson Mark, LLC is representing XXXX XXXX ( XXXX XXXX XXXX, XXXX  ) doing business at the following address : XXXX. XXXX  XXXX, XXXX, SC XXXX This law firm is being reported for a violation of section 808.8 of the Fair Debt Collection Practices act. 

Johnson, Mark LLC has been filing legal documents in the XXXX County Circuit Court using the following address : XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, OR XXXX This address is for a XXXX Store located in XXXX and doesn't reflect any physical address the is used by the law firm to practice or conduct from. 

Since the debt collector has misrepresented themselves on legal documents at an address that doesn't reflect a location where Johnson Mark, LLC practices law and doesn't reflect the address used when filing business forms with the State of Oregon, Secretary of State, this scenario could make it difficult for Johnson Mark, LLC to follow garnishment proceedings with publicly traded companies such as ADP since garnish paperwork served doesn't not reflect the correct address where the law firm is currently residing in the state of Oregon or their own home office as section 808.8 implies. 

As a result, these collection practices appear deceptive to the consumer as well as a lack of accountability on how the law firm has chosen to practice law in the state of Oregon that could lead to being reported to the US Postal Service for mail fraud and the possibility of wire fraud charges, at the federal level, since there is no indication the the garnishment is correctly being applied to XXXX XXXX ( XXXX XXXX XXXX, XXXX  ) simply going by the work of Johnson Mark, LLC at this time. 

While XXXX XXXX ( XXXX XXXX XXXX, XXXX ) has indicated in phone conversation that they have been for the debt, that is only based on a telephone call and not in writing. 

Lawyers for Johnson Mark, LLC have been reported to the Oregon Bar Association for misrepresentation since neither attorney ( Mr. XXXX XXXX XXXX and/or JXXXX XXXX XXXX ) has been actively practising law in the state of Oregon through an office within the state of Oregon ( based on their own Linked In social media profiles ). 

Mr. XXXX has represented himself in a hearings based on a XXXX conversation ( via voice ). In addition, the physical office reported on documents with the state of Oregon, reflect an inactive office space.

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 2023-03-01
Company: Support Collectors, 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: Was not notified of investigation status or results

Complaint:
I have filed a dispute in regard to the incorrect items on my credit report it has been 30 days and I have not received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions 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 these accounts XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  has all 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 an 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 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 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 explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: AZ
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 received a credit monitoring alert this morning XX/XX/2023 from XXXX Equifax alerting me to an inquiry made on my credit by XXXX XXXX XXXX XXXX  XXXX on XX/XX/2023 at the address XXXX XXXX  XXXX XXXX XXXX VA, XXXX. I did not make this inquiry. I called XXXX to plan the next steps on how to investigate/remove the inquiry and was told to try and contact the bank or make a complaint to the FTC. I then called XXXX XXXX XXXX  and talked to a representative about the fraudulent inquiry, however they just transferred my call to XXXX, with whom I'd already talked. Later the same day, I received a call from XXXX XXXX to confirm/deny a request to open a credit card account at which time I let them know the inquiry was fraudulent and to not open a credit card. They advised me to continue making a complaint with the FTC for documentation on the fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: STATEWIDE AUTO SALES
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: Was not notified of investigation status or results

Complaint:
I purchased a vehicle from statewide auto in XXXX  XXXX California. My vehicle was repossessed, I contacted the local to Police Department and advised him I then contacted statewide auto they told me to pay the tow truck driver and he wont release my vehicle to me I did that I believe this was on XX/XX/XXXX or approximately, I waited to receive my pink slip in the mail I never received it I wanted to XXXX and learn that it had been a lien or hold placed on my vehicle. I contacted the company was unsuccessful getting in contact with anyone I was told that one of their employees have passed away who had my foul in any information about my case I then noticed a couple of months later that they reported this to my credit report as a {$55000.00} debt. I have sent all supporting information to all three we are XXXX times no information was successful I am accidents now remove this from my credit

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: NJ
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 USC 1681.

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 an 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 1681 s-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. 

XXXX XXXX- account number- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: TX
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:
information i disputed was not removed properly

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 2023-01-30
Company: Experian Information Solutions Inc.
State: KY
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 asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX Kentucky XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-12-07
Company: Experian Information Solutions Inc.
State: MI
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 recently received an alert of a inquiry. That was added to my Experian credit report. I did not authorize this company to access my credit report. 
XXXX XXXX XXXX XX/XX/2023 I do Not recognize this inquiry. 

I have attached a copy of my FTC identity thief 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 2023-01-25
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I did not open an account with Truist banking because someone opened an account with my name and personal information.

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 2023-04-05
Company: Experian Information Solutions Inc.
State: NV
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:
After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. Experian is reporting late payments on multiple accounts ( XXXX XXXX XXXX ) and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to Experian violated my consumer rights by allowing these late payments/utilization to report to my consumer 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 2018-08-24
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XX/XX/18 - I received a 'replacement ' store credit card from JCPenney . But it was not a replacement card - it was a MasterCard. When I called to ask why I was sent this, they said that I did not respond to an earlier solicitation of the card. 

So since I didn't respond they assumed that I wanted the card? 

All they concluded was that they would make a note that I didn't want the card and that I am to shred 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 2023-04-05
Company: Experian Information Solutions 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:
This property is not affiliated with me. This is trust property. Remove this from my credit reports. This is my third time giving you all notice to not share my information with third parties.

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 2021-12-01
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Account was placed with collection agency XXXX on XX/XX/XXXX. Account was immediately reported on credit report on XX/XX/XXXX as a collection. I never received a noticed of my right to dispute.

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