BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-23
Company: PRESTIGE FINANCIAL SERVICES INC
State: MI
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:
Account is with Prestige Financial. Account was charged off and closed on XX/XX/2019 per XXXX  with balance of {$17000.00}. I have made no payments to this creditor since. Again, charged off and CLOSED. Recently. Prestige ( only with XXXX ) re-opened this account and is reporting missed payments monthly and my balance has gone up to {$25000.00}. This month this balance showed up in my open accounts and dropped my score by 67 points. Am I wrong that reopening an account by the original creditor that has been charged off is FRAUD?? How can the balance keep going up when they charged the debt off?? Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: NV
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, has violated my rights. 

XXXX XXXX XXXX  I, 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.

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 2023-05-24
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: Reporting company used your report improperly

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 


2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 


3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 


4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 


5. there is some inaccurate information reporting.

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 


7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 


9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 


10. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 


11. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it 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 non-monetary relief
Consumer complaint received 2020-07-29
Company: Experian Information Solutions Inc.
State: OH
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:
I have been trying to correct my incorrect credit score with EXPERIAN and XXXX since XX/XX/2020. I have sent 2 certified letters, made countless phone calls taking hours, and did not achie ve a correction. I also hired an attorney, who also could not achieve a correction. Here is the issue ; I have 3 s core factors " helping '' and 2 score factors " hurting '' my credit score on BOTH EXPERIAN AND XXXX On XXXX, I have 4 score factors " helping '' and 0 score factors " hurting. '' THIS NOTATION IN XXXX IS CORRECT. NOW : when I reach out to XXXX AND EXPERIAN to   rectify this wrong, all they keep doing is send me my credit report, and claim that it is correct as it stands. THE ISSUE IS, I AGREE THE CREDIT REPORT IS CORRECT AS IT STANDS. BUT, THE 2 FACTORS HURTING MY SCORE ARE " SERIOUS DELINQUENCY OR DEROGATORY INDICATOR '' AND " FEW ACCOUNTS IN GOOD STANDING. '' SO WHEN I GO TO MY REPORT TO FIND A DELINQUENCY OR DEROGATORY INDICATOR, THERE ARE NONE AT ALL! THIS IS WHY I AGREE WITH THEIR FINDINGS, MY REPORT HAS ABSOLUTELY NO DELINQUENCY AND NO DEROGATORY MARKER AND ALL MY ACCOUNTS ARE IN GOOD STANDING. BOTH EXPERIAN 'S AND XXXX XXXX  CREDIT REPORTS REFLECT THIS ACCURATELY, BUT WHEN I LOG IN TO MY PAGE, THEY ARE STILL NOTING " 2 SCORE FACTORS THAT ARE HURTING MY SCORE. '' YET, THEY CAN NOT PROVE THIS ANYWHERE. HENCE, MY EXPERIAN CREDIT SCORE IS XXXX, AND XXXX IS XXXX. For reference, XXXX which got it ALL CORRECT awards me with a score of XXXX. I feel my scores from EXPERIAN at XXXX and XXXX at XXXX ARE INCORRECT. I NEED MY SCORES CORRECTED AND MY 2 " HURTING '' SCORE FACTORS REMOVED, AS THEY DO NOT EXIST. Again, my credit report is CORRECT from all 3 credit bureaus, but EXPERIAN 's and XXXX XXXX score factors and scores are INCORRECT, as they do not reflect EXCELLENT CREDIT HISTORY EVEN THOUGH MY CREDIT REPORTS ACCURATELY REFLECT EXCELLENT CREDIT HISTORY. 

Please forgive my accentuation with the caps. I have gone through months and countless hours trying to get through to someone, and no one gets it on the end of the credit bureau. THIS IS AFFECTING MY LIFE in getting car loans and applying for a pre-approval for a mortgage to potentially purchase a home. It is not right when my score is incorrectly reflecting poorly on my EXCELLENT HISTORY. 

Thank you endlessly for any and all consideration.

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 2022-12-06
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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

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 2022-07-06
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 a consumer reporting agency can not furnish a account without my written instructions EXPERIAN XXXX XXXX XXXXl XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXE ACCT NUMBER XXXX XX/XX/XXXX {$370.00}, XXXX XXXX XXXX XX/XX/XXXX {$790.00} XXXX : XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX {$340.00} XX/XX/XXXX, XXXX XXXX XXXXXXXX {$230.00} XX/XX/XXXX, XXXX XXXX XXXX {$790.00} XX/XX/XXXX XXXX : XXXX XXXX XXXX ACCT {$340.00} XX/XX/XXXX, XXXX XXXX XXXX {$790.00} XX/XX/XXXX, XXXX XXXXI XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX bank XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXt XX/XX/XXXX, Ive reached out countless times to the bureaus, emails, calls, calling and speaking with XXXX different people and still no results.

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 2018-05-22
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
not mine no knowledge of i filed with the ftc about my id theft long time ago

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023 Experian dropped my credit score significantly based on false misleading information from XXXX bank. I only have a checking account through XXXX, only a debit card. The new information states I had a XXXX  bankcard, and it's reactivated. It states I've used XXXX  % of my available credit. This is a false misleading statement.

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 2023-01-31
Company: Eastern Account Systems of Connecticut, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX is currently trying to collect XXXX in which i am not responsible for. The charges are for unreturned equipment. At this time i was living in XXXX XXXX and was relocating out of state. I informed them of this moved and tried several attempts for them to retrieve their equipment. I then would inform XXXX XXXX that I would drop their equipment off at a nearby location. This location was located in XXXX XXXX  on the corner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on the corner. I have contacted the creditor, I have contacted XXXX XXXX  directly. I have asked for a breakdown of charges in which I was denied. I also asked in the case that I decided to pay the death, I was not responsible, for if I can have a promise to delete let her in return, in which I was also denied. At this time I am asking for this debt to be removed off of my credit, because I do not feel as if I am responsible. I have reached out to the creditor, and the company itself with no resolution. I have tried to dispute this with the credit bureaus in which the company has stated this amount is accurate. The equipment comes with a barcode that can identify the customer. It's hard to believe that they were not able to locate this equipment to show it was returned. Again, I do not feel I am responsible for this account as I've done everything in my power, and also returned their equipment. As I stated I would before I left the state of Connecticut.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
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:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: EQUIFAX, 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:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: Security Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Initial Dispute for Validation was sent via certified mail to Security Credit Services on XX/XX/2019. On XX/XX/2019The correspondence I received is not sufficient validation of this debt. I have NEVER lived at the address shown on the copy of the statement you have given. I am not associated IN ANY WAY with the Leese in contract. The balance reported on my credit report is also being reported incorrectly. Please be advised this is my SECOND WRITTEN REQUEST. The unverified account listed above remains on my credit report in violation of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: MS
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 account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 a consumer reporting agency can not furnish a account without my written instructions which I did not give.

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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
15 USC 1601 1681b 6802 Consumer privacy laws state confidential information such as transactions, history, utilization and statements are excluded from Consumer Reports.

Please Permanently delete US DEPARTMENT of ED Accounts # XXXX & XXXX from my TransUnion Consumer Files

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 2022-04-19
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
Someone is using my name and tried to open up an account with your company.

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 2022-04-19
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
Someone is using my name and tried to open up an account with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2022-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear cfpd I am writing this letter to complain about my bad experience with Bank of America claim. 



I submitted two credit disputes in XXXX, and because there was still no response with those disputes, I called BOA today trying to figure out what happened. 


Problem didn't fix it, l will submit another complaint letter only talking about those disputes. 

The problem is after l told me that I will complain about it a few minutes later, my XXXX XXXX phone service was suspended, l can't call or text. 


l had to chat with an agent online, then they told me the reason why my account was suspended. Bank of America charges XXXX dollars back from XXXX XXXX, l use my bank of America credit card ending XXXX full year plan before, still 7 months remaining. 

Credit card chargeback order # XXXX, Transaction ID : XXXX, TOTAL OWED includes reactivation fee : {$30.00}. 


I spent 2 hours getting back on service. 


I believe the Bank of America is trying to take revenge on me, and dispute me with their power. Because just my phone ended with Bank of America then l phone service suspended cause credit changed back. 





I spent 2 hours getting back on service. 


I believe the Bank of America is trying to take revenge on me, and dispute me with their power. Because just my phone ended with Bank of America then l phone service suspended cause credit changed back. 

I doubt that this timing is intentional. XXXX XXXX asked me to pay another XXXX dollars to reactivate my account. I have to spend time and money getting another phone card to fix my suspended phone card. 

I want those money refund Looking forward sincerely XXXX. 
Ps : l will write another complaint letter about my shopping in XXXX XXXX, those paid with Bank of America credit card also with case number from Texas 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 monetary relief
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XX/XX/XXXXXXXX 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 -US DEPT ED XXXX -DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Untitled XXXX Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., XXXX, XXXX } XXXX 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. 
"

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