BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
I HAVE INFORMATION ON MY CREDIT REPORTS THAT ARE INACCURATE SUCH AS MY NAME AND ADDRESSES AND MEDICAL BILLS WHICH ARE ILLEGAL TO BE ON MY REPORT I ASK FOR THESE TO BE REMOVED IT PREVENTS ME FROM GETTING PROPER HOUSING JOBS ETC. 
MEDICAL BILLS LISTED ON REPORT XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX ACCOUNTS UNDER XXXX # XXXX , {$28.00}, {$76.00}, {$240.00}, {$51.00}, {$38.00}, {$37.00} XXXX   XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Addresses listed inaccurate XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OHXXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX CT, XXXX, OH XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, ( XXXX ) XXXX ( XXXX ) XXXX Unknown INQUIRIES TRANSUNIONXXXX, CAXXXX ( XXXX ) XXXXRequestedOn:XX/XX/XXXXXXXX, VAXXXX ( XXXX ) XXXXRequestedOn:XX/XX/XXXXXXXX, ILXXXX ( XXXX ) XXXXRequestedOn:XX/XX/XXXXXXXXviaTRANSUNIONXXXX, CAXXXX ( XXXX ) XXXXRequestedOn:XX/XX/XXXXTRANSUNIONXXXX, CAXXXX ( XXXX  ) XXXX-XXXXRequestedOn:XX/XX/XXXXXXXX, OKXXXX ( XXXX ) XXXXXXXXRequestedOn:XX/XX/XXXX,XX/XX/XXXXXXXXviaXXXXTRANSUNIONXXXX, CAXXXX ( XXXX  ) XXXX-XXXXRequestedOn:XX/XX/XXXXXXXXviaXXXX, WIXXXX  ( XXXX  ) XXXX-XXXXRequestedOn:XX/XX/XXXXXXXXviaXXXX, NDXXXX ( XXXX  ) XXXX-XXXXRequestedOn:XX/XX/XXXXXXXXviaXXXX, OKXXXX ( XXXX ) XXXX-XXXXRequestedOn:XX/XX/XXXXXXXXviaXXXX, GAXXXX ( XXXX  ) XXXX-XXXXRequestedOn:XX/XX/XXXXXXXX, CAXXXX   ( XXXX  ) XXXX-XXXXRequestedOn:XX/XX/XXXXXXXX, FLXXXX ( XXXX  ) XXXX-XXXXXXXXviaXXXX, UTXXXX  ( 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 explanation
Consumer complaint received 2023-09-01
Company: Jim Bottin Enterprises, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ABC Solutions, I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the continuous harassment I have been subjected to by your company in relation to a debt that does not belong to me. This ongoing harassment has caused significant distress and inconvenience in my life, and I believe it is essential for ABC Solutions to rectify this situation promptly.

Despite my repeated attempts to inform your company that I am not the individual associated with the debt in question, I have been persistently contacted through phone calls, emails, and letters demanding payment. This relentless pursuit has caused me undue stress and XXXX, as well as wasted a considerable amount of my time and energy in trying to resolve a matter that is not my responsibility.

I would like to bring to your attention that under the Fair Debt Collection Practices Act ( FDCPA ), it is illegal for debt collectors to engage in harassing or abusive behavior, including contacting individuals who do not owe the debt. Furthermore, the FDCPA grants consumers the right to dispute the validity of a debt and requires debt collectors to provide accurate and verifiable information upon request.

I kindly request that ABC Solutions immediately ceases all communication and collection efforts regarding the debt in question. I have taken the necessary steps to verify my own financial records, and it is evident that this debt does not belong to me. I expect your company to respect my rights as a consumer and cease any further attempts to collect this debt from me.

I believe that I am entitled to compensation for the distress and inconvenience caused by ABC Solutions ' relentless harassment. I kindly request that your company provides appropriate compensation for the emotional distress, time wasted, and any other damages incurred as a result of this situation. I trust that ABC Solutions will handle this matter with the utmost professionalism and take immediate action to rectify the situation.

Please be aware that failure to comply with the FDCPA and resolve this matter promptly may result in further legal action being taken to protect my rights as a consumer. I expect a written response from ABC Solutions within [ reasonable timeframe, 14 days ] confirming that all collection efforts will cease and outlining the steps taken to compensate me for the damages caused.Thank you for your immediate attention to this matter. I trust that ABC Solutions will rectify this situation promptly and ensure that I am no longer subjected to harassment regarding a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Transunion is deliberately posting inaccurate and incomplete information on my consumer report I will attach both of my disputes along with their response. There are inquires and collection accounts on my consumer report that do not belong to me I asked transunion to provide me with there verification methods for my records to show the procedures used to determine the accuracy of the information reported on my consumer report and transunion disregarded my request. I sent over my drivers license a paystub and also my full social security card to show proof of identity and the negative remarks remain on my consumer report. As we all know it is transunions job to report 100 % accurate information on consumers credit report and they have my wrong address along with mispelling of my name I demand deletion of the negative collections and unauthorized inquires on my consumer report and the correction of a late payment that is on my consumer report 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 2021-10-12
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: Their investigation did not fix an error on your report

Complaint:
AFTER NUMEROUS ATTEMPTS TO HAVE INACCURATE INFORMATION REMOVED FROM MY CREDIT REPORT, EQUIFAX IS THE ONLY CREDIT REPORTING AGENCY THAT DEEMS ITS NECESSARY TO CONTINUE TO REPORT THIS MIS-INFORMATION. I'VE SUBMITTED NUMEROUS DISPUTES, INCLUDING IDENTITY THEFT REPORTS, POLICE REPORTS, UPDATED ADDRESSES, AND THE CORRECT SPELLING OF MY NAME. I'VE CALLED THEM SEVERAL TIMES AND WAS UNSUCCESSFUL IN EVERY ATTEMPT TO CORRECT THEIR MISTAKES. AT THIS POINT I'M CONFUSED AS TO WHAT TO DO NEXT FOR THEM TO CORRECT THE MISTAKES AND MIS-INFORMATION ON MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: LA
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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-01-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently reviewed my credit file and unfortunately found that some of my personal information is incorrect. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. 

Please delete the following inaccurate information from my credit file in the next 30 days. I know that you have up to 30 days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you have incorrectly reported and should be deleted immediately. 

Please delete the following inaccurate addresses : ( 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  ) Please delete the following inaccurate employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By reporting these inaccuracies, you are in violation of U.S.C 1681b ( a ) ( 2 ) for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; In accordance with the written instructions to the consumer to whom it relates. EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink written instructions to do so. These actions have caused my family and I a great deal of injury. 

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting Sincerely, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserve

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 listed account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. ( 1 ) Consumer Adjustment Co.has violated my rights,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 reporting agency can not furnish an account without my written instructions. 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX has a balance amount of {$1200.00} this unknown collection has been reported on my credit report as a collection. I do not know or even heard of this company. I have never done any business with this company. This company does not have a contract with my signature.

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 2023-08-16
Company: Experian Information Solutions Inc.
State: PA
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:
I have repeatedly reached out to Experian about incorrect information thats being reported. After you have finished with my request, send me a copy of my credit report reflecting these changes.

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 2023-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
So on XX/XX/XXXX, mobile deposits has been processed into my bank account. This amount was {$2000.00}. After that was processed, I was told to transfer back {$1500.00} since I was only supposed to have {$500.00}. I sent a XXXX transfer of {$1000.00}. I sent another {$500.00}, but was told that they did not receive so they told me to send {$200.00} first and then {$300.00}. This happened on XX/XX/XXXX. After the XXXX  payments has been processed, the mobile deposits that have been processed was returned back to the user, resulting an overdraft to my account. Those XXXX transactions that were made was completed with the money that was deposited to my account. I filed a claim with Bank of America, but they said they aren't able to give me back my money since it was an authorized transaction. I read about the Electronic Fund Act and have read a similar incident where they were able to get their money back. They authorized the transaction as well and have been scammed just like me. I read about the incident and it said that " the way the consumer financial protection bureau sees it, if someone " induced '' you into transferring the money- even if, technically, you agreed to it- your bank has to reimburse you. I waited XXXX business days to be disappointed from Bank of America. I never used any of the money that was deposited into my account. All I am asking is for my money to be returned to me.

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 2023-01-07
Company: EQUIFAX, INC.
State: NY
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 was reviewing my credit report and noticed that there are unauthorized inquiries between the three credit bureaus. 

It appears as if on XX/XX/XXXX someone tried to apply for lending in my name with all three bureaus. 

As you can see, I have a very limited and responsible credit profile. 

I disputed this with the bureaus on XX/XX/XXXX and all letters were received XX/XX/XXXX by USPS XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to XXXX and never got any response back. 


I have asked the bureaus to either validate or completely remove these inquiries and they have not done so. This has been 2 months now. They are coming up as mortgage companies and I have never applied for a mortgage before, have never even considered it. It is the only inquiry on my credit report in the recent future, I applied for a XXXX charge card right before, that is the last valid inquiry on my report. 


Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Companies - Finance XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: EQUIFAX, INC.
State: DC
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:
For years I have been trying to get items removed from my credit report that these third parties, I.e credit bureaus are holding on too. These items are causing hardship in continuing in commerce as well has been a defamation of character in addition a serious lack of confidence in the banking system especially when there is NO mention of a FICO, or XXXX score in the FCRA, FDCPA or TILA. 

I, XXXX XXXX XXXX, the natural person, living man, flesh and blood, am the authorized representative ( cardholder ) for XXXX XXXX XXXX ( Social Security Account ; credit card ) # XXXX. I never gave written or oral consent or was consent received from a court of competent jurisdiction to have my personal identifying information ( social security number ; name ; address ; etc ) be shared to these third parties ( credit bureaus ). This is identity theft per 12 CFR 1022.3h. In addition this is trespass and INVASION of of the consumers legally protected interest ( PRIVACY ). I XXXX XXXX XXXX the living man have all power above these companies and demand my request be honored. I am the CREDITOR per the FDCPA 15 USC 1692a ( 4 ) These are my written instructions per 15USC 1681b ( a ) ( 2 ) to EQUIFAX regarding my consumer report. Letter attached In addition Per 15 US Code 1681a ( 2 ) ( B ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; is to be excluded from the consumer credit report. EQUIFAX is in violation of this code.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: Experian Information Solutions 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:
experian and XXXX  are stating that the address XXXXXXXX XXXX XXXX XXXXXXXX ga XXXX belongs to me and they are falsely reporting this information to the credit bureau and anything tied with this address as well as XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ga XXXX does not belong too me and should be remove from my credit report. below i have documents to prove my most updated information. 

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. 

account XXXX acount XXXX account 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 consumer reporting agency can not furnish a account without my written instructions

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 2020-02-15
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: Account status incorrect

Complaint:
ON XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX REPORTED IN CORRECT INFORMATION TO THE CREDIT BUREAUS. 

EXAMPLE : CREDIT REPORT FOR ACCOUNT NUMBER XXXX, DATE REPORTED XX/XX/XXXX. 

ISSUE 1 ) STATUS IS INCORRECT AS THE STATUS SHOULD BE PAID CHARGE OFF AS THE ACCOUNT HOLDER MADE A SETTLEMENT TO PAY OF THE ACCOUNT IN THE AMOUNT OF {$960.00} ON XX/XX/XXXX. ATTACHED PAID RECEIPT DATED XX/XX/XXXX. 

ISSUE 2 ) CREDIT REPORT STATES LAST PAYMENT ON XX/XX/XXXX, THIS IS INCORRECT AS THE PAID RECEIPT STATES PAYMENT XX/XX/XXXX. 

ISSUE 3 ) CREDIT REPORT STATES DATE OF MAJOR DELINQUENCY FIRST REPORTED ON XX/XX/XXXX. THIS IS FALSE AS THE ACCOUNT WAS PAID IN THE SETTLEMENT ON XX/XX/XXXX. 

ISSUE 4 ) COMMENT SECTION STATES ACCOUNT PAID FOR LESS THAN FULL BALANCE. THE SECTION SHOULD READ ACCOUNT WAS PAID ON SETTLEMENT AGREED BY CREDITOR. 

ISSUE 5 ) THE 81-PAYMENT HISTORY IS INCORRECT AS THE CO STATUS FOR XXXX XXXX, XXXX, XXXX IS FALSE AS THE ACCOUNT WAS PAID ON XX/XX/XXXX. 

ISSUE 6 ) THE 81-PAYMENT HISTORY IS INCORRECT IS INCOMPLETE AS IT FAILS TO STATE FOR YEARS XXXX, XXXX, XXXX, XXXX. 






ON XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX REPORTED IN CORRECT INFORMATION TO THE CREDIT BUREAUS. 

EXAMPLE : CREDIT REPORT FOR ACCOUNT NUMBER XXXX, DATE REPORTED XX/XX/XXXX. 

ISSUE 1 ) STATUS IS INCORRECT AS THE STATUS SHOULD BE PAID CHARGE OFF AS THE ACCOUNT HOLDER MADE A PAYMENT IN FULL IN THE AMOUNT OF {$300.00} DATED XX/XX/XXXX. ATTACHED PAID RECEIPT DATED XX/XX/XXXX. 

ISSUE 2 ) CREDIT REPORT STATES LAST PAYMENT ON XX/XX/XXXX, THIS IS INCORRECT AS THE PAID RECEIPT STATES PAYMENT XX/XX/XXXX. 

ISSUE 3 ) CREDIT REPORT STATES DATE OF MAJOR DELINQUENCY FIRST REPORTED ON XX/XX/XXXX. THIS IS FALSE AS THE ACCOUNT WAS PAID ON XX/XX/XXXX. 

ISSUE 4 ) THE 81-PAYMENT HISTORY IS INCORRECT AS THE CO STATUS DATES IS FALSE AS THE ACCOUNT WAS PAID ON XX/XX/XXXX. 

ISSUE 5 ) THE 81-PAYMENT HISTORY IS INCORRECT IS INCOMPLETE AS IT FAILS TO STATE FOR YEARS XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: EQUIFAX, INC.
State: PA
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 XX/XX/XXXX i filed a dispute with the credit bureaus about a Bankrupcty Acct # XXXX and a XXXX XXXX credit card Acct # XXXX opened XX/XX/XXXX that do not belong to me. All three bureaus removed the account but when i checked my most recent report it shows those two accounts back on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: NY
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 was reviewing my credit report and noticed that there are unauthorized inquiries between the XXXX credit bureaus. 

It appears as if on XX/XX/XXXX someone tried to apply for lending in my name with all three bureaus. 

As you can see, I have a very limited and responsible credit profile. 

I disputed this with the bureaus on XX/XX/XXXX and all letters were received XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX I have reached out to XXXX and never got any response back. 


I have asked the bureaus to either validate or completely remove these inquiries and they have not done so. This has been 2 months now. They are coming up as mortgage companies and I have never applied for a mortgage before, have never even considered it. It is the only inquiry on my credit report in the recent future, I applied for a XXXX charge card right before, that is the last valid inquiry on my report. 


XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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