BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted are listed in the report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete items as soon as possible Fraudulent Inquiries : Inquiry Name : XXXX XXXX Open Date : XX/XX/2023

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 2023-01-19
Company: Experian Information Solutions Inc.
State: IL
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 disputed items off my credit report with no response over 60days ago. Iwas XXXX when these things occured on my credit report. i sent letter stating that. 


XXXX XXXXXXXX XXXX  XXXXXXXXXXXX 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 2022-03-22
Company: Experian Information Solutions Inc.
State: DE
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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2019-03-22
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have contacted this company on multipal occasionsand informed them that this was paid by insurence. they have informed me that the original comany ( XXXX XXXX ) was not given insurence info. Which at the time i did provide to them ( XXXX XXXX ) the insurence info. I have disputed it through them several time Which at that time they have told me they would report to the accurate standing of the acct to the credit agencys. To this day it is still showing open on my CBR not as a DISPUTE. i contacted them today XX/XX/2019 at XXXX and was advised of the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have explained that I was in a car accident so I am not able to pay this now that I will contact them when I am ready. They continually call while I am working and have told them numerous times not to call till after XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: W&A Intermediate Co., LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wakefield & Associates is on my credit report as my owing them {$500.00}. This is not my debt and XXXX will not remove it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: DE
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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
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:
First of all XXXX XXXX is NOT even licensed in Florida as a collection agency. They are illegally attempting to collect an alleged debt, which is a major violation of my consumer rights. I have attached the list of XXXX licensing where FLORIDA is NOT listed. 

XXXX XXXX also lost a class action settlement by using unlawful collection lawsuits in Illinois. They manage purchased accounts and collect alleged debts. They continue to violate debt collection laws XXXX XXXX has failed to comply with the Gramm Leech Biley Act 15 USC 6802. They never gave me the ability to opt out and used my information without my permission, which is identity theft. 

There was also no Permissible purpose for this Account # XXXX to be listed on my credit report. Both permissible purpose law ( 15usc1681b ( A ) ( 2 ) and the GLBA have been violated and it is identity theft. 

According to 18 USC 1028 ( a ) ( 7 ), it defines identity theft which is just someone possessing, transferring or using a means of identification of another person unlawfully. This is what took place. 

XXXX, XXXX, Experian and XXXX XXXX " regularly engage in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

These companies have all violated either of the two which both constitute identify theft.

I have contacted the Attorney General 's Office, XXXX  and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

I demand Account # XXXX to be removed from my credit report and file or I will be seeking statutory damages since you willfully violated the obligations under the FCRA.

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 2019-10-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
EQUIFAX INFORMED ME IN 2017 THAT I ALONG WITH 125 MILLION OTHER INDIVIDUALS IN THE UNITED STATES HAD THEY'RE PERSONAL CREDIT INFORMATION BREACHED AND THAT THEY WERE RESPONSIBLE. 

EQUIFAX ADVISED THAT I WOULD HAVE FREE MONTORING AND CREDIT REPORT FREEZING FOR SEVERAL YEARS. 

WHEN I HAVE COTACTED THEM SERVERAL TIMES OVER THE YEARS TO UNFREEZE MY CREDIT FOR CAR PURCHASE OR INSURANCE QUOTES IT HAS BEEN EXTREMELY DIFFICULTLY, TAKING OVER A HOUR EACH TIME IN DOING SO. 

-I HAVE A USER NAME AND PASWORD AND THE EQUIFAX WEBSITE DOES NOT RECKONIZE THE USE NAME AND PASSWORD EVEN WHEN I CHECK AND RE-CHECK AND SUBMIT PASSWORD SEVERAL TIMES. 
-AFTERT FAILURE TO LOG IN I CONTACT THEY'RE CUSTOMER SERVICE NUMBER AND THE AUTOMATED SYSTEM DOES A CONTINUES LOOP OF REPETATIVE QUESTIONS WHICH I ANSWER BUT THEN REBOOTS OR DISCONNECTS FORCING ME TO RETART AGAIN AND I CAN NOT AND THERE IS NO ACCESS TO OPERATOR TO ASSIST -AFTER SEACHING EQIUFAX WEBSITE FOR CONTACT NUMBER XXXX GET SERVICE REP WHO CAN NOT HELP RESESOLVE ISSUE AND I AM TRANSFERRED TO ANOTHER REPRESENTATIVE-THIS PROCESS, EVERYTIME I WANT TO UNFREEZE MY CREDIT REPORITNG TAKES APPROX. 2 HOURS- -WHEN I UNFREEZE XXXX AND XXXX THEYRE COMPUTER AUTOMATED SYSTEM WORK  FAWLESSLY AND THEY'RE REPRESENTATIVES ARE EASY TO CONTACT AND UNFREEZE AND REFREEZING OF MY CRIDIT INFORMATION TAKES 10 MINUTES AT MOST. 

I STRONGLY BELIEVE THAT EQUIFAX, WHO IS LIABLE FOR BREACHING CONSUMER INFROMATION-IS INTENTIONALY MAKING IT DIFFICULT IF NOT IMPOSSIBLE TO DEAL WITH THEM TO FREEZE AND UNFREEZE CREDIT -TO HAVE CONSUMERS WHO HAVE BEEN AFFECTED BY THIER SECURITY BREACH GET SO FRUSTRATED AND DISMAYED BY LACK OF ANY COMPETENT WEBSITE, LOOPING OF AUTOMATED WEBSITE SYSTEM ENDLESSLY, NOT PROVIDING ACCESS TO OPERATORS/REPRESENTATIVES-ANOTHER LOOPING OF TELEPHONE SYSTEM ENDLESSLY-AND FAILING TO PROVIDE EASE OF ACCESS TO PHONE NUMBER OF REPRESENATIVES WITHOUT A WEB SEARCH AND THEN TRANSFERRING TO OTHER REPRESENTATIVES ; THIS INTENT IS TO HAVE CONSUMERS DROP THIER SERVICE WITH THEM THUS REDUCING THIER LEGAL OBLIGATIONS- EQUIFAX HAS DONE THIS INTENTIONALLY NOT ONLY TO DISMAY & DISCOURAGE CONSUMERS AFFECTED BY THIER BREACH BY THE LACK OF PROFESSIONALISM, EASE OF USE AND FAST EFFICENT WEBSITE OR AUTOMATED PHONE SYSTEM BUT TO HAVE CONSUMERS DROP THIER FREE SERVICE THAT THEY ARE OBLIGATED TO DO BY LEAGAL AGREEMENT WITH GOVERNMENT SETTLEMENT DUE TO THIER BREACHING OF OVER 100 MILLION CONSUMERS. 

I REQUEST THAT EQUIFAX IS INVESTIGATED FULLY-WITH FOCUS ON THEY'RE COMPUTER USER WEBSITE-AUTOMATED PHONE SYSTEM AND LACK AND DIFFICULTY OBTAINING AN EQIFAX REPRESENTATIVE-THE PROCESS TAKES OVER AN HOUR EVERYTIME I TRY TO DO SO-

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear [ Collection Agency Name ], I am writing to formally dispute a debt that your company claims I owe to XXXX XXXX. According to your records, the amount of the debt is {$59.00}. 
As a responsible consumer, I am entitled to request validation of any debt being collected from me, as outlined in the Fair Debt Collection Practices Act. Therefore, I am formally requesting that you provide me with the following documents to validate this debt : 1. A copy of the original contract or agreement between myself and XXXX XXXX, showing that I am responsible for the debt. 
2. A complete payment history for the debt, including any payments that have been made, the dates they were made, and the method of payment.

3. Copies of any billing statements or invoices that show the charges being claimed as part of this debt.

4. Any other documentation that may be necessary to prove the validity of this debt.

I kindly request that you provide me with these documents within 30 days of receiving this letter. If you are unable to provide me with the requested documentation, I ask that you cease all collection activities and remove this debt from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Certegy Holdings, LLC
State: IL
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:
So last year in 2020 of XXXX I lost my state Identification card and social security card. I checked my credit but yet nothing new was reported on my credit but I recently just checked my credit and there is new things on my credit that seems fishy and I have no clue what it is or where its from but I know that someone is using my identity to try and open loans and get checks and finance furniture in my name Ive Locked my credit and Ive even tried disputing the inquiries but it wont let me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.XXXX XXXX XXXXXXXX

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 2022-02-12
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2018-08-17
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Experian has numerous addresses, phone numbers, and versions of my name on my report that are inaccurate, outdated, or that do not belong to me. 

Reporting this information puts me at risk for fraud. I have information on the Black Web and have inquiries made by individuals who have accessed my information and apply for credit in my name at addresses where I do not live. 

Since XX/XX/2018, I have asked every month by letter that the information be removed and that ONLY my legal name, current address, current employer, and NO phone number be listed. 

Experian is violating my consumer rights to have accurate information reported. 

They are not reporting 100 % accurate information as required by Section 609.

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
These debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. more so they didn't follow the proper 5 steps validation procedure which makes his unfair practices. according to the FDCPA i'm entitled to XXXXXXXX XXXX per violation and clearly they violated my rights.

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be removed. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items will be repaired immediately : 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 XXXXXXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX, ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXXXXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX FXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX, ACCT XXXX XXXX XXXX XXXX, ACCT # XXXX XXXXXXXX XXXX, ACCT # XXXX XXXX XXXX XXXXXXXX, ACCT XXXX XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 SECTION 602 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 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 2021-04-14
Company: EQUIFAX, INC.
State: NC
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 NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
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:
Transunion deducted points off my report, because of a dispute that was granted, every time I win a dispute because they have so many inaccuracies on my credit report they will go in and take away substantial amounts of points, I just won a dispute on XX/XX/XXXX and on XX/XX/XXXX they went in and took 58 points away for no reason and the time before that they took away 88 points because Inwon a  dispute, please have then restore my points, it is against the law for transunion to continue to deduct points away from consumers just because they win a dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: PlusFour, Inc
State: NV
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:
Checked my credit report and noticed fraudulent activity. Contacted collector and informed them that this is not mine and I am a victim of identity theft

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 2023-08-15
Company: Experian Information Solutions Inc.
State: MO
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:
Ever since I got an email last year from Experian saying some of my information was found on the dark web. Random things have popped up on my credit report. Im at work and just got XXXX back to back emails about inquiries. I called one of the companies first and the rep said she would have no way of know if someone applied online or in person. I then called Experian and the guy told me to call companys that received the inquiries. This is ridiculous and unacceptable. Ive worked too hard restoring my credit to allow stuff like this to happen

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