BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
Company: EQUIFAX, 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 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 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 has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: Experian Information Solutions 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: 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. 

The letters are stated with items and issues. 

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 2023-03-23
Company: Synovus Bank
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:
First Progress/1stProgress XXXX Two Accounts : {$200.00} Hello, I have called them multiple times, requesting that the fraud accounts be taken off of my credit. It appears that the accounts are closed but they are still showing negative payments on my credit profile and impacting my score significantly, and I am trying to purchase a home for my family. I have called them multiple times and they have confirm that after their investigation, the accounts were opened as a result of identity theft and fraud. They're confirmed they would contact the creditors directly to get this resolved. 

Can you please investigate immediately and get this company credit charges off of my credit? Please see the attach letter from them confirming the account would be taken off my credit as negative items

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
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:
My TransUnion report shows " XXXX '' closed. I do not know what XXXX is, and when I search online, it says it is a hard credit inquiry. I have no recent credit applications, so this does not seem logical.

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 2023-07-14
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: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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 have paid over XXXX $ on an old account from XXXX which is now in collections. I have been disputing the credit report inaccuracy since XXXX of XXXX. They are refusing to update the balance. It has now been several months and several disputes. They now updated " No information '' for XXXX, XXXX, XXXX, and XXXX. This has gone on far long enough. It an old account from when I was married, the vehicle was XXXX and was returned due to the company refusing to follow through on warranties. It's been paid on since as far as I know by my ex husband, as well as I have paid hundreds. Im actively working on my credit score as with age and maturity I'd like to financially be on point with things. Who knew a grade would mean so much to me! haha, but this account has been proven to be quite unreasonable. It's through 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 2023-11-05
Company: Regional Management Corporation
State: MO
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Sometime inf XXXX XXXX Regional Finance APPARENTLY sent me a check for {$3000.00} via mail. In XXXX, they started calling me asking about my payment on the account. I said " what account?, I don't have an account with you '' She said, well, we sent you a check in XXXX, I told her right then, If I had received a check, I would not have cashed it, as we were doing fine, financially at the time..I would have torn it up. 
She said, this must be fraud and she would send me form to fill out to claim the fraud. They did send the form requesting all of my personal information, social security number, Dr. license, etc. I took the form to police department to get a police report and they looked on their computer and said this was a scam and they were trying to get information from me. They thought they might be preying on the XXXX 
Regional Finance has been calling me 4-5 time a day on my cell phone and have harrassed me at work. It has been extremely upsetting. A lawyer sent them a cease and desist letter, but they keep calling and have reported to my credit report. I'm not sure how they got my social security number. XXXX at Regional Finance is saying I need to come to XXXXXXXX XXXX ( 90 miles from here ) to sign a fraud form, but I don't feel like it is my fault they decided to send a random check ( written to XXXX XXXX ) whoever that is. They have screwed up my credit now and I'm hoping to get help getting them to stop! I would like to keep other people informed about this company, as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accord with the fair Credit reporting act XXXX XXXX XXXXXXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX  account number XXXX, 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't furnish an account without my written instruction

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have notice that XXXX is still reporting closed accounts that were removed from collections to close accounts is a violation of 15 U.S.Code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party.According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Please DELETE all close accounts. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( MO ) 281, SW 715,719, I may presume that no proof of the alleged debt, nor therefore any such, in fact exist.15 U.S.Code 1666b

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act, everything has to be 100 % accurate on my credit report. The credit bureaus say the properly investigated but that cant be possible if accounts have multiple charge offs ( which reset the date of last active ), charged off accounts with past due amounts. Inaccurate reporting is grounds for removal. I have been patience with Equifax for over a year and they have yet to mail me proof of the investigation. this is severely hurting my chance for a financial future with this inaccurate reporting. they even have removed these account then place them right back on without an 5-15 day noctice.

they have also violated my rights under the 15usc 1681 sec 602 A which states i have a right to privacy.

Sec. 604. Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
i did not give permission for them to furnish any of this inaccurate infromation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: KY
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:
Account Name : XXXX XXXX XXXX Account Number : XXXX This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 
As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 
I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies.

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 2023-06-26
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Transunions process of blocking and deleting information on my consumer report resulting from identity theft is in direct violation of the law. It states in 15 U.S. Code 1681c2 -Block of information resulting from identity theft ( a ) BLOCK Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the 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 non-monetary relief
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-26
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: Reporting company used your report improperly

Complaint:
I recently viewed my TRANS UNION consumer report and noticed a fraudulent account reporting in collections from company name XXXX XXXX XXXX. I immediately called TRANS UNION to dispute the account and to obtain the account number since it was not present on the report. The Fair Credit Reporting Act, 15 USC 1681e reads - Compliance Procedures ( b ) Accuracy Of Reportreads, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. MAXIMUM POSSIBLE ACCURACY MAXIMUM IS 100 %. This account isn't accurate at all. I haven't been able to sleep great at night since seeing this account on my consumer report knowing it's not mine. I feel like I'm being taken advantage of and its stressing me out because I'm getting denied credit due to this account. I'm unable to live my best life because of this account. Furthermore when I called TRANS UNION, a male rep stated to me that he could not provide me with the account number to this collection account and that I can call the collection company to get the account number myself. I felt like that was very rude so I said no problem, I called XXXX XXXX XXXX and spoke with a female rep. The rep stated " this is an attempt to collect a debt, and any information obtained will be used for that purpose. '' I told her I dispute the debt and that its fraudulent. The rep said great, ok, and she's glad I called to let them know about the account as well as they will investigate. First and foremost why do I need to let XXXX XXXX XXXX know about an account that they claim to know so much about that they reported the account to TRANS UNION as a collection. XXXX XXXX XXXX nor any of its agents/officers/directors haven't spoken to me, nor received written communication from me until they reported a fraudulent account on my consumer report. I also asked the rep for the account number and the rep stated its # XXXX. How are they conducting an investigation, with whom are they conducting an investigation with, and for what when this XXXX XXXX XXXXL account do NOT belong to me? It's clear this company is in violation of the FDCPA and FCRA. I do NOT and nor have I ever had a contract or an agreement with XXXX XXXX XXXX. This account is fraudulent and need to be removed from 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 non-monetary relief
Consumer complaint received 2023-06-26
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX acct XXXX {$2000.00} I was never late on the loan because it was auto payment. In XXXX It shows inconsistencies between all three reports showing XXXX late payments in XXXX and XXXX late payment in XXXX. This is false and inaccurate. There's late payment in different years in each report XXXX, Experian, and XXXX and all dates are inconsistent and different. There was no late payment because I had auto payment directly from my bank for auto loan. This account has been in my credit report for over 7 years. 

XXXX  account # XXXX is inaccurate in all credit bureaus XXXX, XXXX and experian. I was on a deferred loan because I was attending college at the time. There shouldnt be no payments. In experian shows XXXX late payment on XXXX. 

XXXX XXXX XXXX account # XXXX, {$2200.00} I reported identity theft and purse stolen along with credit card which was used and should have been closed. Shows late payment XXXX, & XXXX. The card does not belong to me. This account has been in my credit report for over 7 years. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX XXXX, XXXX  XXXX account # XXXX, and XXXX  XXXX XXXX XXXX XXXX has violated my rights. 

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

15U.S.C 181 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account 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 explanation