BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am making this CFPB complaint in order to get the fraudulent accounts and information that are being reported on my credit file removed as soon as feasible. My credit report contains a significant number of unlawful requests as well as some false information reporting. My identity has been hijacked, and I am aware of it. As a result, I formally reported this to the FTC under File Number XXXX. In accordance with FCRA Section 605B rules, I have integrated that report into my complaint ( 15 U.S.C. 1681c-2 ). Please erase these items from my credit record as soon as possible in compliance with the law ( i.e., 4 days ). Please let me know if you require anything else. I require the following items immediately removed from my Credit File : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$980.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance : {$900.00}. If you believe I possess the disputed objects, please provide me copies of whatever paperwork you have that proves you are the legitimate owner. In the absence of these documents, these bogus accounts will be removed immediately.

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 2023-07-19
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:
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
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:
This is my fourth 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30
Company: Financial Assistance Inc
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed a collection account on my credit report from the collection company Financial Assistance which looked a bit odd to me because the balance is still being reported by the original creditor, XXXX XXXX XXXX and the reported dates weren't right. After disputing the collection account with the credit bureaus and they did not resolve my dispute, I wrote a letter to Financial assistance to the address listed on my credit report and asked them to validate the debt that they are reporting and they did not respond to my request for validation. After checking my credit report I noticed they are still reporting this account even though they did not validate it. I sent them a follow up letter requesting they delete the account because they failed to validate it and they did not respond nor have they deleted the reporting. I researched this issue on your website and the FTC website and I found quite a bit of information regarding violations of the FCRA and the FDCPA and this company has committed multiple violations. They are listed below : 1. Failure to respond to debt validation 2. Still reporting to the bureaus within 30 days without validating I feel like I have done all I can do on my own and I really need your help. Maybe they will respond to you guys. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Bread Financial Holdings, 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:
In accordance with the fair credit reporting act XXXX XXXX XXXXccount # XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: The Outsource Group, Inc
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to check my credit and noticed my scores dropped by over 100 points. There was an unknown collection on my credit report that never notified me in writing before reporting on my credit ( this is illegal under FCRA laws ). 

I sent the company a debt validation letter and a dispute letter. They " verified '' the information with the credit bureaus, but wrote back to me saying they need me to call them to get more information. 

They never validated the debt and when I called the medical facility, they said that I never had any debt to them, so they don't know why the collection agency is claiming I owe them debt and verifying it on my credit report. 

The collection agency is breaking numerous laws and refuses to correct their errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
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: Public record information inaccurate

Complaint:
A remark was made from XXXX  XXXX XXXX on my credit report, which significantly lowered my credit score. When contacted XXXX XXXX XXXX, rep was not able to find or locate such remark. As a result, XXXX XXXXXXXX XXXX was not able offer a solution to resolve the problem, while the remake remains in my credit report. This is detrimental towards my financial well-being as my credit score has dropped significantly.

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 2023-11-13
Company: Southwest Credit Systems, L.P.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXXXXXX ) was closed in late XXXX. XXXX XXXX I paid a small $ XXXX post cancellation bill. 
Since I have continued to receive billings for {$60.00} and have been sent to Southwest Credit Systems. 
XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Having contacted both companies none would send conformation that the bill is not owed which was a false outstanding bill submitted by XXXX XXXX 
Both said just ignore the correspondence. I Asked for a email form both and neither responded in a positive manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Receivables Outsourcing, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Billed for services not rendered ( {$110.00} ) on XX/XX/XXXX. I cancelled the doctor 's appointment several days prior to the actual appointment. Confirmation of the cancelled appointment was given to me in writing. Payment by check from me was accidentally sent to the provider, XXXX XXXX. Seven months later, I received another invoice for same appointment. I disputed as services were never rendered. I received my original check back with a letter from the provider, dated XX/XX/XXXX that there was no balance due. On XX/XX/XXXX, I was contacted by debt collection agency ( Receivables Outsourcing , LLC / XXXX XXXX XXXX / XXXX, Md XXXX ) trying to obtain payment for this appointment. I do not owe any money, as services were not rendered. I contacted XXXX XXXX, the provider, on XX/XX/XXXX and left a message, but no one has replied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: MD
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 please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-09-15
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I was awoken today to a notification that my credit score had dropped & a new account was added to my Experian credit file. I logged in to check what had happened, as NO action was taken on my part that should have resulted in this. ( Upon logging in, I was advertised to about Experian 's paid services, which I believe violates the fair credit reporting act, as it happens every time I log in & attempts to make it seem like I need to pay the company to receive the best data possible. ) Nothing had changed on my credit report for Experian that would explain this 20-point drop, but it is there. NO account ( that I can see ) has been added. No late payments ( real or otherwise ), no new collections, no new inquiries or lines of credit, NOTHING to explain why my score tanked 20 points. 

The nearest I can tell, my " Boosts '' potentially expired. I was alerted last week that they were having trouble accessing my bank account, so I logged in and FIXED IT after an hour of frustration, and the boosts still show on my account, so I am at a loss. 

Upon trying to call the Experian customer service number - which states that it is open Sundays - I can not get through the automated menu. It disconnects me 100 % of the time even when I provide FULL AND COMPLETE personal information. It does not even offer the option to talk to a human. The options are nonsensical and the system is broken. I have tried to call REPEATEDLY over the last week for the " Boosts '' issue above, and now this, and I am being refused service by this agency. This is unacceptable and I have wasted too many hours fighting with their phone menu. 

If old information has reappeared on my account and is being treated as " new '' information, that should not be happening. 

To sum up : NOTHING HAS CHANGED on my credit report, but my score dropped 20 points for no reason, and Experian refuses to provide accounting for such, instead opting to CONTINUOUSLY advertise their paid services with the implication I MUST pay to receive full information. This violates the FCRA.

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 2023-11-13
Company: QC HOLDINGS INC
State: MO
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I told company I am on social security XXXX I have had XXXX attacks and strokes and my bank account is over drawn because of identity theft and they won't fixed it they expect me pay {$420.00} then pay these loans too

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a letter dated XXXX XXXX that FIRSTBANKCARD WAS CLOSING MY ACCOUNT and that I no longer be able to utilize my credit line and was advised to destroy all cards related to this account. I called the company upn receipt and of course they refered me back to the letter to get an explanation. from what I gather my credit score has went down so they determine I was not worthy of their card anymore. I have been a customer since XXXX XXXX ( 5years,11 months ) never had a late payment which I have provided proof in this complaint, and for them to close my account and damage my credit with a CLOSED Account For whatever reason is unacceptable and unreasonable. not only does it lower my credit score it damages my rating and future attempts to apply for any credit with that CLOSED status on my credit file

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 2021-06-15
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:
I have previously submitted information to all credit bureaus including police reports, and identity theft affidavits. Due to being a victim of identity theft, several inquiries were made on my credit report that I did not authorize and are fraudulent. 

XXXX Sunday, XX/XX/XXXX XXXX  Friday, XX/XX/XXXX XXXX-XXXX  Friday, XX/XX/XXXX XXXX Wednesday, XX/XX/XXXX XXXX Card Tuesday, XX/XX/XXXX XXXX Card Thursday, XX/XX/XXXX XXXX XXXX  Wednesday, XX/XX/XXXX XXXX XXXX  Thursday, XX/XX/XXXX XXXX XXXX Tuesday, XX/XX/XXXX XXXX XXXX XXXX-XXXX  Tuesday, XX/XX/XXXX XXXX XXXX  Sunday, XX/XX/XXXX XXXX XXXX Friday, XX/XX/XXXX XXXX XXXX Saturday, XX/XX/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 non-monetary relief
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
On XX/XX/2022, I received an email from Experian to log into my account as a vehicle had been added to my account. 
Upon login in, I was asked to confirm vehicle details for two vehicles I had never owned. 

I contacted customer service via phone to understand what was happening as I feared my info might have been compromised. I was informed Experian was offering a service that linked vehicles to Experian Accounts. 

The agent could not explain why the vehicles were linked to my account, so the issue escalated. 

I received an email on XX/XX/XXXX explaining the same things I had already been told and that their system sometime is not 100 % accurate. 
Since I had recently moved, I inquired about which address their system had used to link those vehicles to my account. To this day, my emails ( four ) have been left unanswered and I still don't know how my information are used and stored.

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 2023-07-19
Company: EQUIFAX, INC.
State: MO
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
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:
In disdain of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I have not received an answer, and at this point I just feel they are not going to cooperate with me, he Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with 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 2023-07-19
Company: EQUIFAX, INC.
State: WA
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
On XXXX XXXX, 2017 I wrote TransUnion that XXXX XXXX XXXX was charging me for fraudulent charges on my card # XXXX and that I refuse to pay them. I also sent TransUnion 60 pages of evidence to support my claim. TransUnion has, nevertheless, damaged by credit rating because I refuse to pay fraudulent charges.

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