BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
Company: TrueAccord Corp.
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:
On XX/XX/2023 I made a complaint and requested specific detailed information such as the wet signature contract and methods of payment to prove that this is not my debt and I still HAVE NOT RECEIVED them. 
I have reached out to this company several times to let them know that these accounts are the result of identity theft. My request have continued to be ignored over 8 months now.The documents that were attached to this complaint by them prove that these accounts are fraudulent. My name is incorrect as well as the address, there is no wet signature or any form of evidence proving this belongs to me besides the fact that someone used my personal information. If this company has done a thorough investigation as they say they have then please provide that evidence because right now I dont see anything legitimate that makes this debt mine. I have never had an account with XXXX.I demand that these accounts be closed and disassociated from my name and removed from my credit reports or I will be forced to take a more serious legal action Sincerely, 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 2023-03-29
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 is missing that should be on the report

Complaint:
In review of my Equifax credit report I noticed that there are three ( 3 ) accounts that are reporting inaccurate information.

1 ) Collection account with no information of who the creditor is, no contact onformation, no original creditor no account name. ( see attached report ) 2 ) XXXX XXXX  XXXX - Account is reporting closed, however there are three ( 3 ) late payments reporting in 2019. I have never been late with this account and I contacted the original creditor and was advised to contact the credit bureau to get this information corrected. ( see attached ) 3 ) XXXX XXXX The account " Status '' is reporting as " Charge-Off '' along with the " Comments ''. This account was paid in full and creditor stated that they reported this to the credit bureaus. I was asdvised by the creditor to contact the credit bureaus to correct this matter. ( see attached ) I would like for Equifax to review these inaccurate reporting information and make the necessary corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: GA
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:
Dear Sir/Madam : I am writing to dispute the accuracy of certain information contained in my credit report that was provided by your agency. I request that you review this information and make the necessary corrections to my credit report.XXXX XXXX Unsecured loan with account # XXXX XXXX XXXX Credit Card with account # XXXX XXXX XXXX Unsecured loan with account # XXXX XXXX XXXX Credit Card with account # XXXXXXXX XXXX XXXX XXXX Unsecured loan with account # XXXXXXXX XXXX XXXXXXXX XXXX Installment sales contract with account # XXXX XXXX XXXX Credit Card with account # XXXX XXXX XXXX Auto Loan with account # XXXX XXXX Flexible spending credit card with account # XXXX XXXX XXXX XXXX Auto Lease with account # XXXX XXXX Telecommunications/Cellular with account # XXXX XXXX Credit Card with account XXXX XXXXXXXX XXXX XXXX Credit Card with account # XXXX XXXX XXXX XXXXXXXX Credit Card with account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I believe that this information is inaccurate and incomplete, and I am requesting that your agency conduct a thorough investigation into this matter in accordance with 15 USC 1681a ( 2 ) ( B ) of the Fair Credit Reporting Act.Pursuant to 15 USC 1681 ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a " credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states, " The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card.The credit card is my social security card. This is the credit card used to originate every consumer credit transaction ON MY CREDIT REPORT. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15chapter 41 I request that you review this information and make the necessary corrections to my credit report.Additionally, I would appreciate it if you could provide me with a copy of my credit report once the investigation is complete, as provided for under the FCRA.Thank you for your attention to this matter.

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 2023-03-29
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: Was not notified of investigation status or results

Complaint:
I am the executor under 15 U S Code 1692c ( d ) pursing to 15 U S Code 1962d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: MS
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 reached out to the credit bureaus on XXXX XXXX EQUIFAX, XXXX, XXXX, XXXX, XXXX XXXX to make them aware of the inaccurate information being reported. I received dispute summaries saying the information was validated. I responded and asked their validation process no one wrote back. I sent them the receipts from the XXXX XXXX paid XXXX XXXX on XX/XX/XXXX before they went completely out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
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:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against TransUnion for inaccurately and fraudulently reporting information on my credit report. The inaccurate information being reported by TransUnion is violating several laws, including the Fair Credit Reporting Act. 

Upon reviewing my credit report, I discovered that TransUnion is reporting inaccurate information related to my credit history. Specifically, they are reporting accounts that do not belong to me and have been opened without my authorization. They are also reporting credit inquiries from XXXX dated XX/XX/2022 and XXXX dated XX/XX/2022, which do not belong to me. 

As per 15 USC 1681i ( 5 ), it is the responsibility of the credit bureaus to modify or delete accounts that are not reporting accurately. However, despite my efforts, TransUnion has failed to take any corrective action. They continue to report false information, which is affecting my credit score and ability to obtain credit.

Moreover, as per 15 USC 1681, I have the right to privacy, which has been completely disregarded by TransUnion. According to 15 USC 1681s-2, 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. The credit bureau has been notified of the inaccuracies, yet they continue to report false information.

Therefore, I demand that TransUnion delete the inaccurate information immediately, including the accounts that do not belong to me and the credit inquiries from XXXX and XXXX that do not belong to me, and remove the freeze alert. Additionally, I request that they compensate me for the financial losses and emotional distress I have endured as a result of their inaccurate reporting. 

I urge you to take immediate action against TransUnion and ensure that they comply with the laws that protect consumers ' rights. Thank you for your attention to this matter. 

Sincerely,

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 2023-03-29
Company: EQUIFAX, 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:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against Equifax Credit Reporting for inaccurately and fraudulently reporting information on my credit report. The inaccurate information being reported by Equifax Credit Reporting is violating several laws, including the Fair Credit Reporting Act.

Upon reviewing my credit report, I discovered that Equifax Credit Reporting is reporting credit cards from XXXX XXXX and XXXX XXXX that do not belong to me. 

As per 15 USC 1681i ( 5 ), it is the responsibility of the credit bureaus to modify or delete accounts that are not reporting accurately. However, despite my efforts, Equifax Credit Reporting has failed to take any corrective action. They continue to report false information, which is affecting my credit score and ability to obtain credit.

Moreover, as per 15 USC 1681, I have the right to privacy, which has been completely disregarded by Equifax Credit Reporting. According to 15 USC 1681s-2, 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. The credit bureau has been notified of the inaccuracies, yet they continue to report false information. 

Therefore, I demand that Equifax Credit Reporting delete the inaccurate information immediately, including the credit cards from XXXX XXXX and XXXX XXXX that do not belong to me. Additionally, I request that they compensate me for the financial losses and emotional distress I have endured as a result of their inaccurate reporting. 

I urge you to take immediate action against Equifax Credit Reporting and ensure that they comply with the laws that protect consumers ' rights. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I disputed 4 fraudulent transactions which totalled {$22.00}. Only two transactions were addressed and those two were refunded for {$10.00} total, and then blackhawk closed my case and has been ignoring any additional messages asking about the other two fraudulent transactions which total {$12.00}.

These are the 4 transactions that I disputed months ago. 

XX/XX/XXXX XXXX XXXX XXXX XXXX Posted - {$4.00} USD XX/XX/XXXX XXXX XXXX XXXX XXXX Posted - {$6.00} USD XX/XX/XXXX XXXX XXXX XXXX XXXX Posted - {$6.00} USD XX/XX/XXXX XXXX XXXX XXXX XXXX Posted - {$6.00} USD I submitted all requested documentation via both fax and email and was told all four would be refunded yet again, I've not received the last {$12.00} owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: NY
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 have attached an FTC report with fraudulent unauthorized inquiries

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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
XXXX XXXX XXXXXXXX XXXX  credit card I closed this account back on XX/XX/2023 when speaking to their representative I was informed I had a XXXX balance. I confirmed this a second time with this representative before completing my call. Then my credit reports showed I was 30 days past due and dropped my credit scores dramatically.i called this company again and spoke to another representative around XX/XX/2023 this representative stated that I closed the account with a XXXX balance and they added fees after this account was closed. He also stated it would be corrected or deleted on my credit reports by XX/XX/XXXX. Then I got hit with a 60 day late payments reported to the credit bureaus. a again called and spoke with a supervisor who couldn't even verify my phone call or close date and said this account was closed XX/XX/XXXX. I told him I wanted the phone calls reviewed by their back office. I called back again and spoke to another supervisor who claimed they admitted the call on XX/XX/2023 the representative stated I had a XXXX balance and they gave me incorrect information and the phone call when I closed this account they said that representative stated there was a {$6.00} XXXXfee on the account which is a 100 % lie. If that was the case I would have paid it then. I asked her and reconfirmed I had a XXXX balance. Anyway the last supervisor I spoke with said I had a balance of {$58.00} at this point even though this was still under investigation by them and offered to wave late fees on the fees and I reluctantly made a {$20.00} payment with them feeling like a victim and to just to stop them from continuing to falsely report to the credit bureaus. I also asked to speak to a manager who she stated were gone for the day but one would call me back. Never received a call back. Also I asked this supervisor to have a different person review the phone call on XX/XX/XXXX because I know the representative told my twice I had a {$0.00} balance! I have never missed a payment and kept this account in good standing for over a year also one of the credit bureaus is reporting this account was closed XX/XX/XXXX I believe it was XXXX and TransUnion shows 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 2023-03-29
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft and there are inquiries on my account that I did not authorize. Also, when I purchased an automobile, the dealership ran credit with multi lenders that I did not give permission for nor have I authorized nor attempted to obtain credit from multiple banks, credit card companies, attorneys, cash applications, etc. 
Please note the following inquiries were not authorized by me : 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 2023-03-29
Company: Experian Information Solutions 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:
My name is 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 reportsno consent is fraud. Please delete the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, 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 2023-03-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$280.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-03-29
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXXXX/XX/XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00}

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 2023-03-29
Company: EQUIFAX, INC.
State: AL
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 IS IN VIOLATION AGAIN ACCORDING TO 15 U.S. Code 1681b - Permissible purposes of consumer reports BY UNLAWFULLY FURNISHING CREDIT BUREAUS MY INFORMATION THATS NOT PERMISSIBLE BY LAW ACCORDING TO 15 USC 1681b WHICH NONE OF THESE LAWS BELOW GAVE XXXX XXXX THE RIGHT TO PROVIDE MY INFORMATION TO ANYONE OTHER THAN MYSELF a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

CREDIT BUREAUS COULDNT GET MY INFORMATION WITHOUT MY CONSENT UNLESS XXXX UNLAWFULLY PROVIDED IT TO THEM.

Company response to consumer: Closed with explanation