BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: VA
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 federal protected consumer rights of privacy and confidentiality under 15 USC 1681. Please see accounts and third party furnishers who are violating me : XXXX XXXX XXXX Has violated my rights Date of inquiry : XX/XX/2020 XXXX Has violated my rights Date of inquiry : XX/XX/2020 XXXX Has violated my rights Date of inquiry : XX/XX/2020 XXXX XXXXXXXX Has violated my rights Account Number : XXXX XXXX Has violated my rights Account Number : XXXXXXXX XXXX Has violated my rights Account Number : XXXX The following companies are furnising these reports : Experian, XXXX, XXXX XXXX 15 USC 1681 section 602 A. states I have the right to privacy 15 USC 1681 section 604 A. Section 2 : It also states a consumer report an agency can not furnish account without my written instructions Friday 15 USC 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 conventions of crimes which antedates the report by more than seven years. 

15 USC. 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 the information is inaccurate.

I have had serveral calls from numerous debt collectors harrassing me about these furnished debts these companies continue to furnish and invad my privacy

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 2020-08-03
Company: CNG FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was contacted by a debt collector, XXXX XXXX who is representing Check and Go Services for a debt Im accused of having. Check and Go keeps sending multiple debt collectors about this debt Im not aware of and never sends documentation That I always request. Instead different debt collectors repeat my personal information over the phone and threaten to send the Sheriff to my house and job. After yelling they angrily hang up when I ask them to send documents that show this debt is mine. They never send documents or a bill. The most recent call was received Monday, XX/XX/2020 at XXXX XXXX  ( EST ) from XXXX saying they are XXXX XXXX who just received my file from Check and Go. Because of them having my personal information, I constantly check my credit report and sign up for credit monitoring services. I have been a victim of identity theft in the past twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: Bread Financial 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:
COMENITYCB/XXXX  '' appears on my credit reports still with a balance of : {$1900.00} and needs removed. I am currently financially impacted by the covid19 disaster. Secondly, this is old debt and is no longer valid or collectible. Also, please note that the phone team was incredibly rude and unprofessional. To the point I deemed it tribalism and employees sabotaged the servicing of my account there after. Refusing to transfer to a supervisor in a timely fashion. Pure obstruction and internal employee sabotage. The amounts were wrong and this was prematurly thrown into collections. Very disrepectful and also illegal. This is not a valid debt and statues have long expired. The company was notified with many attorney general complaints and bbb complaints but refused to remedy. Siding with the young intimidating phone representatives who are immune to oversight or accountability. At one point they asked if I voted for XXXX XXXX. This sort of behavior has since been termed " XXXX XXXX XXXX '' and this call center in Colorado must all suffer from it. Especially the females who mis serviced us with this debt. Please remove this unlawful debt that is still showing on all my credit reports. XXXX, XXXX  and XXXX  should all be notified to remove this debt. We will sue civilly if this problem isnt immediately remedied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2022-12-15
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:
I am both confused and furious by what the credit reporting agencies are showing on my credit report. I recently wanted to check on my information to make sure there wasn't anything inaccurate and see that a bankruptcy from 2017 is reporting. I immediately contacted my attorney who told me originally bankruptcy and any account associated with it can not be shown on my credit report and to contact the court. I then went down to the XXXX XXXX XXXX in XXXX, NJ and asked for documentation that they send to the credit bureaus without my consent. The young lady was very professional and told me they get these questions 100s of times a month but they do not supply information to any credit bureaus because it's a violation of the privacy act and that's all she could tell me. I am ready to have my attorney file suit because this is ridiculous. I have not given XXXX XXXX, XXXX, Equifax, XXXX XXXX or any other business permission to report ANY private information and demand it be removed in the next 30 days. I don't understand how any company has the audacity to violate a law abiding citizen 's rights. If this can't be resolved timely I will move forward with filing suit in my local federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: NJ
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 XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: NY
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 accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4200.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00},

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 explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: GA
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: NY
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 has been reporting information that is not required by law .. according to 15 U.S. Code, 1681b ( a ) ( 2 ) 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. XXXX is breaking federal law by not receiving written consent from I the consumer before furnishing a report. XXXX is not following and willfully neglecting the aspect of an investigative consumer report. I have recently disputed an account with XXXX responded that an investigation with the furnisher has been initiated and I should wait for their response XXXX is the Consumer Reporting Agency Therefore they should be conducting an INVESTIGATIVE CONSUMER REPORT and disclosing said action XXXX is willfully neglecting federal law which has civil liability. According to 15 U.S. Code 1681a - Definitions ; rules of construction subsection D ( 2 ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; AND ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;. EXPERIAN HAS WILLFULLY NONCOMPLIED WITH THIS SECTION by reporting transactions and approvals of credit by XXXX XXXX, XXXX XXXX and etc.

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 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 filing this complaint because Transunion has ignored my request to provide me with the documents that their agency has on file that was used to verify the accounts I disputed. The 30 day mark has passed and Transunion can not verify these accounts. Under Section 611 ( 5 ) ( A ) of the FCRA-they are required to... promptly delete all information which can not be verified. " that I have disputed. I am demanding that this issue is resolved as possible. 

Name and Address : Incorrect Name 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 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 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2019-09-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX AND PORTFOLIO RECOVERY have not taken my dispute requests seriously. I have disputed this account over 4 times this year in 2019. I have not received ANY validation documentation as asked. I have NOT gotten any responses from them aside from updating my account on with DISPUTE RESOLVED CUSTOMER DISAGREES. 

I am asking for completed validation of this account and if this can not be completed within the next 30 days I want the account removed from my credit file and never added back again. I have expressed concerns that this is NOT my debt and it seems to be falling on deaf ears. 

Any help in this matter will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: Diversified Consultants, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed with Diversified Consultants Inc about the inaccurate entry that is reflecting on my credit report ( see attached documentation ). In my initial review and finding of this reflected entry, I submitted a dispute to XXXX XXXX on XX/XX/2018 and XX/XX/2018 via certified mail. Within my dispute ( see attached ), I specifically requested that they provide an agreement with signature of alleged debtor wherin he/she agreed to pay the creditor, date this alleged debt became payable, original delinquency date, verification that the debt was assigned or sold to collector as well as a complete accounting of alleged debt. Diversified Consultants did not oblige. Diversified 's letter, ( see attached ), dated XX/XX/2018 and XX/XX/2018 does not provide any substantial evidence to support the veracity in their reporting. Since Diversified Consultant is unable to provide supporting documentation for this inaccurate, unverifiable entry, it must be deleted from my file immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXhis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX has failed to send requested documents, such as a statement stating that they was aware of the car location. Once the statement is enclosed with the fraud affidavit I will sign it. Your company was aware that the XXXX XXXX Police Department found the car and it was available for pick up by XXXX XXXX immediately. XXXX XXXX failed to pick up the car from the XXXX XXXX Police inbound @ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX. Your company also release the title to the car to XXXX XXXX for Lien sale of the vehicle by the XXXX XXXX Police department tow yard. 

Please explain why your company was not interested in the vehicle and you allowed the lien sale and still trying to collect the debt from me. 

Once again I will sign another affidavit once I receive the statement above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: MI
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 sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$500.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$860.00} Bankruptcy Chapter XXXX Bankruptcy XXXX Asset Amount : {$0.00} XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry 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 2019-02-11
Company: SYNCHRONY FINANCIAL
State: HI
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 an ID Theft Victim and reported my consumer statement on XX/XX/2014 to advise the credit bureaus of my status and findings. The accounts below were part of this case however they continue to call me repeatedly and send me mail in an attempt to collect the debt. I advised this company of the situation however they persist in attempting to collect the debt and I am feeling harassed.

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