BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: MI
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'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act ) COLLECTIONS- XXXX XXXX ACCOUNT XXXX XXXX I OWE {$1200.00} DATE OPEN XX/XX/XXXX. XXXX XXXX ACCOUNT # XXXX XXXX LATE PAYMENT, XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX LATE PAYMENT DATE OPEN, XX/XX/XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX LATE PAYMENT DATE OPEN XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX ACCOUNT XXXX XXXX XXXX LATE PAYMENT DATE OPEN XX/XX/XXXX, XXXX XXXX ACCOUNT # XXXX I OWE {$1400.00} XX/XX/XXXX, DEPT OF ED/XXXX ACCOUNT # XXXX XXXX LATE PAYMENT DATE OPEN XX/XX/XXXX,, DEPT OF ED/XXXX XXXX  LATE PAYMENTS, XXXX XXXX XXXX DATE OPEN XX/XX/XXXX I OWE {$610.00} ACCOUNT # XXXX, XXXX XXXX XXXX XXXX DATE OPEN XX/XX/XXXX ACCOUNT # XXXX, XXXX XXXX XXXX LATE PAYMENTS DATE OPEN XX/XX/XXXXXXXX XXXX XXXX XXXX DATE OPEN XX/XX/XXXX I OWE {$27000.00} ACCOUNT # XXXX, XXXX XXXXXXXX XXXX DATE OPEN XX/XX/XXXX ACCOUNT XXXX XXXX, XXXXXXXX XXXX XXXX DATE OPEN XX/XX/XXXX ACCOUNT XXXX XXXX XXXX LATE PAYMENTS. 

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 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, Experian, written permission to furnish these accounts.

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have reported these inquiries to XXXX Who insisted that the addresses listed in my pdf warning letter to them were valid even though they are not legitimate addresses Nor do they belong to me One of the address doesnt even exist yet they continue to allow it to negatively impact my credit profile while attached to fraudulent debts

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 2023-03-03
Company: EQUIFAX, INC.
State: CT
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 was an identity theft victim dating back to XXXX when I filed my first police report. It was due to Equifax due to a credit breech. In XXXX my credit was fixed and was XXXX. It is now XXXX and I have sent numerous letters, police reports etc to all 3 credit bureaus and my credit went from XXXX to XXXX. Instead of removing the fraudulent debt it is getting charged off. My consumer rights have been ignored. Charging off fraudulent debt to destroy my credit over and over again is not right. Fix my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2022-02-10
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: Information belongs to someone else

Complaint:
I have complained about unauthorized accounts to my consumer reports multiple times. I reviewed my consumer report and have seen they are still reporting and now an extra collection has appeared out of nowhere after disputing the current unauthorized account. This is blatant and willful violation of my consumer rights and my privacy. I have not given any consent to furnish any unverified information. This is heavily damaging my character and credit worthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-02-04
Company: Mortgage Research Center, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX, 2023 I spoke to XXXX staff from Veterans United Home Loans, and she was trying to convince me to use their realtor. I refused and she starting being very rude and disrespectful by coughing loud as I talked. So I did the same. XXXX I previously spoke to acted very similar and trying to talk over you, then coughing when I was talking. They knew I was a XXXX male based on my voice, and it has XXXX indicators based on how they were acting. The next day I spoke to XXXX XXXX, and he was soured on the phone because they had told him about the interaction. So he kept changing my document requirements, and eventually said I need this year taxes done or they can not do anything. I chose not to proceed with them due to terrible interaction. They should not be allowed to serve veterans. They service was horrible with XXXX undertones as well. They had no written authorization to pull my credit, and XXXX pulled my credit any way. I want inquiry remove, because they should not have pulled my credit.

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 2022-02-09
Company: Experian Information Solutions Inc.
State: FL
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:
Recently viewed my credit report and seen multiple unauthorized inquiries on there.

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 2023-05-17
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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), Transunion must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXXXXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXXXXXX, DEPTEDXXXX 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 2022-02-10
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: Account information incorrect

Complaint:
XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX Account # XXXX / Account ID XXXX XXXX XXXX I am disputing the XXXX of 2021, 30 days delinquent mark on my credit report. 
this is an error please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX Credit Bureaus is reporting hard inquires that was not authorized or given consent to to pull my credit file. However, I noticed several soft inquires on multiple occasions which could possible be a error which is why have asked for an investigation into this matter, 1. XXXX  INQUIRY HARD PULL XX/XX/2022, ALL OTHER ONEMAIN CREDIT PULLS soft pull DATES ARE XXXX. I HAVE NEVER AUTHORIZED OR GIVEN CONSENT TO THIS COMPANY TO DO A SOFT OR HARD PULL ON MY CREIT REPORT NOR DID EVER COME IN CONTACT WITH THIS COMPANY.. 

XXXX XXXX I HAVE NEVER AUTHORIZED THIS COMPANY OR CONSENTED TO THIS COMPANY PULLING MY CREDIT AT ANY TIME.

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 2019-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have these unknown inquires I wish to have them removed, I have sent letter to Transunion, I have reached out to the creditor that made the inquiry still 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 2023-07-17
Company: Experian Information Solutions Inc.
State: NC
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-11-14
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
It started on XXXX XXXX when a scammer which I dont at that time invited me to an XXXX investment and I send money by buying coins from XXXX using my checking account at TD bank and Bank XXXX XXXX and later I found out that the said investment was a scam and I complained to TD bank and XXXX XXXX  XXXX but they say the transaction was legitimate and I was claiming that the scammer took my money in the amount of XXXX which some from XXXX XXXX XXXX and mostly was from TD bank and when I wired transfer big amounts in TD bank they never warn or ask me if why I send that big amounts of money which is around XXXX but sent in 3 transactions and I was trying to claim another XXXX that I sent to the scammer thru XXXX  from my credit card and checking accountXXXX XXXX XXXX was able to prevent me from sending that big amounts to the scammer unlike TD bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions 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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2022-11-29
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian has not updated my credit report since XX/XX/2020. I submitted proof of address as experian required in order to update my credit report. Credit score and report still have not been updated.

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 2022-11-13
Company: TRANSWORLD SYSTEMS INC
State: TN
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:
This company is reporting 4 times on my credit report. 3 of those time are listed with the exact same account number, but reporting completely different balances, Account status are not matching under each reporting credit bureau ( some account statuses are even listed as OPEN when its a collection account ) an account can not be open in collections. This is against the FCRA. I have asked for validation several times with no response and without providing their method of verification. 

The other account with a different account number is only reporting different account status. This is against the FCRA. 

I have been patient with this company. At this point I am asking for your company with assisting me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
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:
I filed a FTC Report because I found inaccurate accounts on my credit report and nobody is helping 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 non-monetary relief
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
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 2023-02-04
Company: LJ Ross Associates
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Never received notice to dispute.L J ROSS ASSOCIATES, INC placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
I have an account with Macy 's ending in XXXX. I made a {$40.00} purchase 3 months ago, I did not receive a statement and missed the payment, however, I paid off the {$40.00} in full by phone the following month ; I was told by the rep. they would reverse the late fee and interest. did not subsequently use the card. I did not receive a statement for the next 2 months, although I do not have online access to statements and I had requested a statement 3 times by phone. This month, XX/XX/2022, my credit rating dropped over XXXX points because Macys ' turned over a {$2.00} interest fee to the credit bureau. Because I had not received the statement I had requested by phone and because I do not have online access I had no way to know they had charged {$2.00} in interest. When it came to my attention I phoned their credit department and had the {$2.00} interest fee reversed. However, my credit rating is still XXXX points lower since they reported to the bureau.

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 2023-05-17
Company: ARS National Services, Inc.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ARS National Services Inc Send me a collection about a debt trying to collect. Which I do not recognize the account and have no previous knowledge of it. This agency is in violation of 15 USC 1692g and 15 USc 1681, and the fair credit reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) : consumer report so let me explain. Under the truth in Lending Act USC 1602 ( g ), " credit card '' is definitely Following : This makes your social security card, drivers license, ID and license plate. ( 2 ) EXCLUSIONS.- Except as provided in paragraph ( 3 ), term '' does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The term of " credit card " means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. For the extension of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I am working with a mortgage lender to apply for a new mortgage loan. When the lender pulled my credit score from Transunion, they disseminated this action and information to dozens if not hundreds of predatory third parties. I was already on the opt out list, and there is no way to reaffirm this opt out when the credit is pulled. The next business day I received 47 unsolicited sales calls during business hours while at work. Several of these individuals became hostile when i told them I was not interested and asked them not to call back. 

47 calls over 7 hours is nothing short of harassment and i have no idea how its not illegal. Pulling my credit is a necessary, unavoidable step in the mortgage process. To have my credit score held hostage by a defacto agreement to phone harassment is criminal. 

Further, the majority of these callers were not actual lenders but third parties who would then shop my information and subject me to more calls. They are not beneficial services as transunion claims, but predatory companies calling from spoofed numbers who rely on consumers being confused and overwhelmed.

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