BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the XXXX XXXX XXXX Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking number : 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 explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 credit report is showing violations. The listed rights below show the violations that were made against me. The first company that violated me was XXXX Bank and the 2nd company that violated my rights was credit XXXX XXXX XXXX XXXXXXXX XXXX, the following laws were violated by both companies : 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 credit account XXXX XXXXXXXX and XXXX XXXX XXXXXXXX 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 an 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 XXXX 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 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 2019-11-24
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX my SSN is XXXX. I was born XXXX and I have several fraudulent accounts opened on my credit that are not mine. They are listed on the attached police report. To be clear and concise they are XXXX XXXX XXXX, all of the Dept of Ed accounts, XXXX and all negative listings. Please remove them ASAP.  Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX 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

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 2023-06-08
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:
My heart sank as I received the disheartening news : my dream of buying a home had been shattered due to the discovery of identity theft. The shock washed over me like a wave, leaving me feeling vulnerable and betrayed. How could someone steal my identity and jeopardize my aspirations? The sense of violation and injustice consumed me as I grappled with the harsh reality before me. In this moment of despair, I knew that I had to gather my strength, reach out to authorities, and take immediate action to rectify the situation. It was time to rebuild not just my credit, but also my trust in the system, and ensure that my dreams would not be forever deferred.

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 2023-06-07
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XX/XX/2023 - Unauthorized Inquiry XXXX XXXXXX/XX/2023 - Unauthorized Inquiry XXXX XXXXXX/XX/2023 - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company 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 2022-01-30
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: Was not notified of investigation status or results

Complaint:
My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. this is not a regular dispute I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap i will not wait another 50 days to receive no response because dearly yawl ignoring me. i demand these accounts be deleted immediately or ; will file for litigation due to the stress you caused me. Section 611 ( a ), it is plainly slated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 50 days so they should be deleted 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 non-monetary relief
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
A bunch of accounts that are open in my name and incorrect information on my report and I want a thorough investigation of 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 2016-06-02
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This collection company is continuing their collection activity on this account on my credit report. I feel they did not validate this account or debt per my request that I sent them in the mail previously. They have not provided signed proof that I incurred this debt, an itemization of the debt and a copy of the underlying account statement and other written validation and explanation of the debt. 

Being that they failed to provide it, this is a clear violation of FDCPA. At this point I am entitled to statutory damages, as they continue to report this information and that is highly damaging to me. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid. 

Under federal law, I could hire an attorney to sue them at no cost to me and ask for {$1000.00} in damages, since credit bureau reporting is considered a collection activity and have failed to provide legal documentation that they are reporting this account 100 % accurate.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Experian Information Solutions XXXX XXXX XXXX XXXX TX XXXX Dear, XXXX XXXX I am writing to dispute the accuracy of my credit report, which I obtained from your agency on XXXX XXXX. I have identified several violations of my rights under the Fair Credit Reporting Act, including violations of 15 USC 1666b, 15 U.S. Code 1666, and 15 USC 1681b, which I would like to bring to your attention. 

Specifically, Experian has treated payments on my credit card account as late, even though I made the payments on time. This violates my right to have accurate information on my credit report, as guaranteed by the Fair Credit Reporting Act and 15 USC 1666b. Additionally, Experian has failed to correct billing errors on my account, in violation of 15 U.S. Code 1666. 

Furthermore, Experian has accessed my credit report without a permissible purpose, in violation of 15 USC 1681b. According to this law, a credit reporting agency may only provide a credit report to someone who has a permissible purpose, such as a creditor or employer who is considering extending credit or offering employment. However, Experian accessed my credit report without a permissible purpose, which violates my right to privacy and my right to control who has access to my credit report. 

These violations have caused me significant financial and emotional distress. As a result of these inaccurate late payment reports and billing errors, my credit score has been negatively impacted, and I have been denied credit and other financial opportunities. For example, I was recently denied a loan for bad credit debt, late payments, over utilization of accounts that are not even mine. 

Additionally, the unauthorized access to my credit report by Experian, XXXX XXXX, XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX, has caused me to worry about identity theft and other forms of financial harm. 

I am requesting that you delete all derogatory accounts, tradelines and lines of credit, update all late payments to current. Rid my file of all these violations and correct any errors on my credit report immediately! DO NOT SEND ME ITEMIZED DEBT ITEMS AND PASS IT OFF AS DEBT VALIDATION REMOVE ALL LATE PAYMENTS, XXXX OUT ALL BALANCES, DELETE ALL COLLECTIONS ADRESSES, AND DELETE PERSONAL INFORMATION FROM SERVERS, A.I technology, backup servers, computer monitor / hardware and software alike.

I am also requesting that you provide me with a updated free copy of my credit report, as guaranteed by the Fair Credit Reporting Act.

Also see attached invoice for damages.

Thank you for your attention to this matter. 

The natural man, XXXX XXXX Without prejudice

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 2022-01-30
Company: EQUIFAX, INC.
State: TN
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:
I called XXXX XXXX equifax cause someone use my social security number it was some inquiries I sent in the information they ask for XXXX they still didn't remove the items from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: General Motors Financial Company, Inc.
State: NV
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 a vehicle financed with GM Financial but I got several inquiries from GM Financial in my credit report and I authorized to have my credit pulled one time only. 
Please see the following hard pulls and credit inquiries in my credit report : XXXX XXXX  XXXX XXXX ) - XX/XX/XXXX GM FINANCIAL ( Finance ) - XX/XX/XXXX GMFINANCIAL ( Finance ) - XX/XX/XXXX GM FINANCIAL ( Finance ) - XX/XX/XXXX GM FINANCIAL ( Finance ) - XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my next request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
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: Reporting company used your report improperly

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 XXXX XXXX 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 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 2018-05-11
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This complaint in with XXXX XXXX XXXX XXXX. I have had an account with XXXX since XX/XX/XXXX ( ACCT : XXXX and XXXX ) and ( Address ID XXXX ) that of which I have was enrolled at XXXX University doing an XXXX program. Upon receiving my loans from XXXX XXXX assured me that I would not go into default but into a forbearance program that would defer my loans until I graduate. 
Subsequently, I did not do well at XXXX and enrolled at XXXX University. I then received more loans from XXXX and also had them placed in forbearance and stated to me that my loans would be due 6 months after I graduate. My date to graduate from XXXX was in XX/XX/XXXX. However, I completed the program early and my degree was conferred in XX/XX/XXXX. 
I immediately started getting loan payments from XXXX of {$600.00}., {$450.00} and other amounts. 
I immediately called XXXX and informed them that my 6 months had not expired when I began receiving these notices in XX/XX/XXXX, XXXX informed me that my time expired and that the loans were due. I replied that no one informed me of any time period between my lapse in school which was two months two receive my schedule and transcripts to be received to start school at XXXX University. 
Therefore, my loans were placed as being 30 + days late. I have pleaded with them, because I have never been late on my loans with XXXX as proof is given. 
As a result, I got my lawyer to intervene on XX/XX/XXXX and on XX/XX/XXXX, as of yet XXXX has not returned any calls or written correspondence to myself or my lawyer. 
I am asking that these late payments from : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX are removed from my credit report because I was NEVER late to 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 2023-08-19
Company: TRANSUNION INTERMEDIATE 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief