BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-08
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:
XXXX ( XXXX ) are reporting accounts without written permission! I never gave any consent to report these accounts. All reporting agencies ( Experian, XXXX, and XXXX ) are showing this harmful information to my consumer report. How did you all get my information! Someone is illegally sharing my information ( the financial institution ) 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

How did XXXX get my information if I never authorized this!? 

Section ( b ) Financial institutions safeguards ( XXXX ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and My information has been exposed! You have caused me harm & danger. 
Who gave you all access or was there a breach!?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02
Company: Experian Information Solutions Inc.
State: IN
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:
Account is past 7 years old, and needs to be removed from reports. This inaccurate information has messed up my credit for long enough.

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 2021-08-02
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:
Transunion and equifax are reporting tax liens, judgements, and public records on my account,. They are not doing proper Investigation because they are paid by the creditor to report items that are not supposed to be in there. Everytime I try to dispute with the credit bureaus the representatives are always nast, and rude., my only option is to report it to the consumer financial protection bureau so they can enforce the rules, regulations, an laws to these bureaus so that they can stop purposely trying to block the consumer from mortgages, loans, and credit the consumer deserves, the credit bureaus are reporting XXXX XXXX and XXXX XXXX XXXX XXXX liens, they are violating the FCRA by reporting tax lien, judgements a, and public records,. They still put a judgement on my credit report by XXXX XXXX XXXX XXXX which keeps disguising an eviction judgement as a collection loan,. I have attached the judgement case number and court te judgement was filed, hopefully this time the consumer financial protection bureau can enforce the credit bureaus to remove this judgement, and two tax liens totaling {$34.00}, XXXX. these liens need to be removed. Also equifax keeps reporting closed accounts negatively, and keeping negative items on my credit report more than 7 yrs, and reporting positive accounts negatively, they also have an old child support account on my credit they will not remove even after XXXX yrs of credit reporting

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 2020-12-16
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I was served for payment on a credit card from XXXX the petitioner was midland funding scaring me into paying options I lost my job awhile afterwards and I could not make payments they were notified I have recently received a notice from the law firm XXXX XXXX XXXX from a XXXX XXXX XXXX saying my wages will be garnished for this debt from midland funding. I was never notified prior to this saying this was going back to court and never had the opportunity to appear to defend myself against this issue. I feel I am being harassed and in stressful situation. Im single woman my income is all I have to live. This is a 14 to 15 year old debt from the days of my divorce.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: EQUIFAX, 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 am submitting this Complaint via the CFPB to formally request an investigation and correction of the listed accounts that are inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. The Credit Bureaus ' current reporting is unacceptable. As per the Fair Credit Reporting Act, reporting must be 100 % accurate. If the Credit Bureaus can not ensure the accuracy of the information the Credit Bureaus are reporting, the Credit Bureaus must correct the accounts immediately. I demand that the Credit Bureaus take swift action to correct this matter, as any further delay or negligence will not be tolerated. I need the following accounts investigated and corrected as soon as possible : XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$3000.00} XXXX XXXXXXXX Balance Owed : {$2900.00} XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX Balance Owed : {$7900.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXXXXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX Balance Owed : {$3200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-29
Company: ERC
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XX/XX/XXXX I entered into a contract with XXXX for two years with 12 months of promotional price and 3 months of free prime channels. It was also explained to me that If I would move and not be able to receive their services I could terminate with no fee. This was important information to me due to the fact I was a renter. I also was told at 12 months I could enter into a new promotion. I was also suppose to receive some football package which I never did get. I moved in XX/XX/XXXX and kept the services at the home I was in prior until mid XX/XX/XXXX I believe. At that time I contacted XXXX and explained that I moved to a new place where I was not able to have XXXX. I was told that I could enter into a " hibernate '' which I would pay {$15.00} I believe to keep my account active and they pulled this out of my account without my knowledge using my card that was on file. They stopped pulling it out of my account and that " hibranate '' period ended. I told them again that it was told to me multiple times that I would be able to cancel my service with no fee due to not being able to have their services. It went to collections a year later and I contacted them again and called their corporate office in California. I talked to numerous people non of which I remember names. I thought it was resolved until recently it was at a new collection agency and no on my credit report. I also found that the federal trade commision charged XXXX in XX/XX/XXXX for deceptive advertisement. This situation is very similar to mine. I do n't honestly remember all the specifics because I really thought this was resolved. I can not have XXXX where I live and I was told by XXXX before signing up that If this situation were to happened I would no longer be bound to the contract terms and would be able to cancel with no fees. I expect that they would stand by thier word or I would not have entered into this agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2018-12-07
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I reported my debit card stolen approx XXXX on XX/XX/2018 over the phone with a TCF customer support agent. Later that evening, I was contacted via automated phone call by TCF fraud protection services, asking for confirmation on purchases and ATM withdrawals that I did not make. There were charges for XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX. As well as ATM transfers and withdrawals from both checking and savings accounts at two separate downtown ATMs. The following day I went into a branch location to figure out what happened. I was informed that the thief called and requested the card be re-activated ( pretending to be me ) and that the bank complied with this. It took going to a branch to file fraud reports four times throughout the week until everything was finally accounted for. Staff has been consistently in-comprehensive and the computer system has caused multiple problems, including ; the disappearance of the card in question, not being able to file a fraud claim until days after the offense, and obfuscating account notes. One claim has been refunded, but there are still five pending charge claims that have been rejected multiple times over the course of the last month on the basis that I " was aware that someone had access to my account/PIN and did not notify the bank in a timely manner to prevent the fraud '' I notified them before any fraud occurred, and then again nearly every day for weeks. The bank is at fault for re-opening the card, and my money should have been insured and reimbursed weeks ago. The investigation has not been transparent and they have made it exceedingly difficult to get straight answers or make any attempt at streamlining the process. The outstanding loss is {$2100.00} I have spoken with XXXX XXXX XXXX, Assistant Vice-President and branch manager, branch supervisors XXXX XXXX, and XXXX XXXX, multiple tellers and Customer service operators, Vice President and regional Manager XXXX XXXX, and most recently XXXX XXXX XXXX. I have filed each induvidual fraud claim, and filed appeals for each claim 3-4 times and provided a detailed narrative and financial breakdown of the offenses as well as filing a police report with the XXXX XXXX Precinct. Due to the egregious amount of time and effort to fix this problem on my own with no success, I have filed complaints with the XXXX, OCC, CFPB, Federal Reserve, and At tourney General of Minnesota.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: EQUIFAX, 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:
Please help me and resolve my difficult situation. Surprisingly I have items that are not mine. I am victim of identity theft and someone just used my personal information. I do not know what to do now ... there are few of them and they just killed my score completely. Please I m asking you to investigate- this is nonsense! Please remove these items ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
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:
i tried sending my personal Information to XX/XX/XXXX as i have been a victim of identity theft and fraud and submitted my complaint thru the CFPB and they still generated a automated email stated that i did not submit this complaint and i didn't have sufficient information to delete these fraudulent accounts. Please see attached documents to support my request AS I XXXX XXXX am submitting this request to have these accounts blocked. further more here 's the law The Fair Credit Reporting Act ( FCRA ) Section 609 ( e ) requires you to provide identity theft victims or law enforcement at the victims request with a copy of records relating to the theft. Following a written request from an identity theft victim, you must provide the records within 4 days after the date of receipt of a request from ta victim, free of charge and without a subpoena. This is sometimes called the business records turnover provision. 


I certify Under penalty of perjury that the foregoing statements made by me are true and correct and contain no misrepresentations of facts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2023-07-31
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023, I reached out to Caine & Weiner to question the validity of their claim that I owe {$530.00}. The issue is, I have no knowledge of Caine & Weiner, nor have I ever engaged in any transactions with them. To clarify the matter, I asked them to provide me with evidence of a contract or agreement bearing my signature, but they failed to do so. 

To my surprise, instead of providing the requested proof, I received an itemized document from an account associated with XXXX XXXX XXXX that had already been closed for quite some time. What adds to my concern is that I haven't held an auto policy with XXXX for more than six months. Moreover, the negative listing has been twice placed on my XXXX profile, causing me significant trouble in securing student loans for the upcoming Fall semester. 

Despite sending three letters in an attempt to resolve the situation, I find myself at a loss as to what further steps to take to rectify the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
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:
Please help me and resolve my difficult situation. Surprisingly I have items that are not mine. I am victim of identity theft and someone just used my personal information. I do not know what to do now ... there are few of them and they just killed my score completely. Please I m asking you to investigate- this is nonsense! Please remove these items ASAP

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 2022-10-15
Company: The Outsource Group, Inc
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Medicredit XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Account # XXXX has been sending me collection notices in the amount of {$4400.00}, the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: Experian Information Solutions Inc.
State: MO
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:
After many atempts of contacting the 3 najor credit bureaus about these fradulent unauthirized accounts haunting my credit files, I decided to use this system, before filing suit if this is un successful. All these accounts come from my identification being stolen and misused. Im requesting that the following accounts be removed immediately and/ or show just cause physical docunentation and signatures associated with these accounts ; or these accounts shall be removed immediately.

1 ) XXXX XXXX XXXXXXXX ( account XXXX ) {$860.00} 2 ) XXXX XXXX ( account XXXX ) 3 ) XXXXXXXX XXXX XXXX ( account XXXX ) {$3300.00} 4 ) XXXX XXXX XXXX XXXX ( account XXXX ) {$6900.00} 5 ) XXXX XXXX ( account XXXX ) {$4300.00}

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 2021-08-01
Company: EQUIFAX, INC.
State: MO
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:
After many atempts of contacting the 3 najor credit bureaus about these fradulent unauthirized accounts haunting my credit files, I decided to use this system, before filing suit if this is un successful. All these accounts come from my identification being stolen and misused. Im requesting that the following accounts be removed immediately and/ or show just cause physical docunentation and signatures associated with these accounts ; or these accounts shall be removed immediately. 

1 ) XXXX XXXX XXXXXXXX ( account XXXX ) {$860.00} 2 ) XXXX XXXX ( account XXXX ) 3 ) XXXX XXXX XXXX ( account XXXX ) {$3300.00} 4 ) XXXX XXXX XXXX XXXX ( account XXXX ) {$6900.00} 5 ) XXXX XXXX ( account XXXX ) {$4300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Diversified Adjustment Service, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX allowed unauthorized individuals to open ( 2 ) phones under the accounts 3 or more months after my account was closed. I was verbally told on a number of occasions that the account was closed and I no longer had any financial obligations. A year later in XXXX of XXXX XXXX sent a total of {$1900.00} to a collection firm against my previously closed account. I disputed with XXXX and neither the mailing address or passwords on the account were mine or my residence. I repeated the fraud dispute with XXXX over the period of a year and nearly 40 hours on the phone with XXXX attempting to resolve. XXXX ultimately refused to acknowledge any fraud or errors on said account. I never received a phone call, bill or notification of this account from anyone other than the collections agency who has recently sent me the same fraud dispute process document I've done already went through with XXXX. I was completely mislead by XXXX team in telling me my account was closed and by the XXXX fraud dispute team by determining a account with a passcode I didn't know with a mailing address not belonging to me was my account. It is now XX/XX/XXXX and this debt has been submitted to collections twice under different agencies. I will continue to dispute as the account that was opened was never authorized in the first place.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: AZ
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: Problem with personal statement of dispute

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. 

XXXX XXXX XXXX : account # XXXX, XXXX XXXX : account # 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 2021-06-17
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:
I have an XXXX XXXX account showing on my credit report. This has been on my Transunion Report since XXXX. I have since disputed this with BOTH companies. 

In XXXX, I filed a complaint with XXXX XXXX and they told me that they have removed this incorrect information from their end. 
However, this still persisted to appear on my Transunion credit report. I filed another dispute with Transunion ( have done it twice now ) and the results always come back suggesting that it is indeed my account. I have NEVER held an XXXX XXXX card or account ever in my life so I am not sure why this is appearing on my account in the first place. 

I called XXXX XXXX again ( XXXX ) trying to check why are they confirming Transunion that I have an account with them. They ran my social security, my address, and my name and told me that they have nothing associated with that name, address, or social. 

I am not sure what to do.

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