BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX 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 reports no consent is fraud.

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 2021-06-29
Company: Experian Information Solutions Inc.
State: MN
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:
The following credit inquiries listed on my XXXX XXXX, XXXX and Experian credit report are all fraudulent credit inquiries and not my credit inquiries : XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, MI XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX  XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XX/XX/XXXX, and 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 non-monetary relief
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: OH
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 to the fair credit reporting act, XXXX account numbers : XXXX. XXXX XXXX - XXXX XXXX. XXXX card XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX Has violated my rights. 

15 U.S.C 1681 Section 602A. States I have the right to privacy. 

15 U.S.C 1681 Section 604A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I received notification regarding a pending settlement for Wells Fargo customers who had accounts from XXXX. I was a customer there during this time. 

This is the portal/link I was asked to submit my inquiry to regarding my affiliation with the bank during this time period.

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 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 I sent a letter for the inaccurate account on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item gives me a reason to immediately repair the item from my credit report, it should be promptly corrected. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished.Please repair the account and remove the late payments : 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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 this isn't any influence and this is not a third party. TransUnion 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 XXXX XXXX over 719transunion has me at a score around XXXX. That is a huge difference. transunion 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 transunion 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion 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 XXXX now im XXXX  XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-10-06
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like my derogatory remark removed. This account is are misreporting on my credit report. This account does not belong too me. The date that this open was opened was XX/XX/XXXX. The amount is for {$590.00}. I have reached out to this creditor multiple times that this debt is not mines. I never lived at the listed address and I never had service with this company. I have provided police report as well. The creditor stated to me that there was nothing that they could do to assit with this fraudulent account. 


Please apply these laws to my account : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( XXXX ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( 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 2023-06-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am reaching out to request the immediate deletion and removal of the accounts and information specified below from my consumer report. It is imperative that these accounts and information are not included in my consumer report, as their presence constitutes a direct violation of the FDCPA and FCRA. I urgently request that you take the necessary steps to delete and eliminate these accounts and information from my consumer report without delay, as their inclusion is in violation of multiple laws. Kindly remove these accounts and information promptly.

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 2023-08-18
Company: EQUIFAX, INC.
State: MN
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:
in accordance with the Fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 15 U.S.C 1681 section 602 A ; States I have a 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 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 2023-01-26
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please REMOVE to my credit report the FRAUD ALERT I did not authorize anyone to add it to my report, kindly remove it 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 non-monetary relief
Consumer complaint received 2023-02-16
Company: Experian Information Solutions 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:
Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days afte the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

XXXX XXXX XXXX Account # XXXX Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.

NO CONSENT IS IDENTITY THEFT.

As a consumer I am demanding the deletion of the accounts listed 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 explanation
Consumer complaint received 2021-04-01
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  - AUTO FINANCE on XX/XX/2020 ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 4. XXXX/XXXX  XXXX  I on XX/XX/2020 ( Reported Identity Theft ) 5. XXXX on XX/XX/2020 ( Reported Identity Theft ) 6. XXXX/XXXX XXXX  I on XX/XX/2020 ( Reported Identity Theft ) 7. XXXX/XXXX  on XX/XX/2020 ( Reported Identity Theft ) 8. XXXX/XXXX  on XX/XX/2020 ( Reported Identity Theft ) 9. XXXX on XX/XX/2020 ( Reported Identity Theft ) 10. XXXX XXXX I on XX/XX/2020 ( Reported Identity Theft ) 11. XXXX on XX/XX/2020 ( Reported Identity Theft ) 12. XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 13. XXXX XXXX XXXX  on XX/XX/2020 ( Reported Identity Theft ) 14. XXXX XXXX  XXXX XX/XX/2020 ( Reported Identity Theft ) 15. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 16. XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 17. XXXX XXXX XXXX XXXX XXXX  on XX/XX/2020 ( Reported Identity Theft ) 18. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. Today on XX/XX/XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now. I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
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:
Equifax continues to report accounts that were discharged XX/XX/2021 in my Chapter XXXX Bankruptcy case as accounts that are charged off and collectible. These accounts should not be reflecting a balance because these are discharged debts I am not legally obligated for. You continue to report some XXXX az address too which Ive definitely never lived at XXXX XXXX XXXX XXXX XXXX, AZ XXXX is not my address. Why is it being listed on my credit file? Additionally you allowed hard inquiries from XXXX XXXX XXXX XXXX and XXXX  XXXX I didnt authorize either of these and my credit file is locked. See the attached documents for the discharge papers.update the credit accounts accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
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 see attached FTC as Ive been a victim of identity theft. Someone use my information to get medical care I believe. The following accounts are fraudulent 1. XXXX Ive never done business with this company or entered into a signed contract. 
2. XXXX XXXX XXXX XXXX XXXX XXXX  ) $ XXXX {$1000.00} Ive never done business with this company or entered into a signed contract with this company. 
XXXX also added accounts to my credit had been removed from XXXX XXXX XXXX, which was fraudulent and blocked from my account. XXXX didnt give a 5 day notice before adding an this account to my credit which is fraudulent!! 

Please see attached ftc report, as its also a number of fraudulent inquiries on my 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 2019-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$3400.00} on the DP OF EDUC/XXXX XXXX XXXX partial account number XXXX. ( Please see pages 11 and 12 of the above credit report. ) I attended a private college in Missouri and had signed up for a course there. Circumstances changed and I dropped this course well within the time frame allotted to do so. When I discovered this collection being reported on my credit report, I immediately tried to contact the school to get some help to figure out what the situation was. I found out that the school has since been shut down. It no longer exists. I do not owe this and the incorrect reporting of a collection that is not verifiable is harming my credit score. Please remove these line items from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.

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 2023-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Some of my recurrent instant online payments are on the same day that I get my direct deposit, I know that as soon XXXX  strikes the direct deposit is deposited in my account ; but Bank of America still charges me the overdraft fee for the online payment ; make it seem I didnt have enough money for that recurring payment ; they make it seem they cover the payment before my direct deposit was in my account ; its been several times that this happened.

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 monetary relief