BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-18
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX bankruptcy, Reference Number XXXX, Date Filed XX/XX/2017, Date Resolved XX/XX/2017, Court Information, US BKPT CT FL XXXX, Address, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX FL XXXX, Phone Number ( 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 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 explanation
Consumer complaint received 2019-08-09
Company: National Credit Systems,Inc.
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:
I pulled my credit reports a few months ago. I noticed that this company reported some debt that does not belong to me. I have disputed this debt thru the credit bureaus and it came back as verified. I filed some identity theft reports with the FTC, I filed a fraud affidavit with this company and have emailed to their collection manager XXXX XXXX and I have yet to hear anything about this. I have also contacted the credit bureaus to put a security freeze on my reports as well. I also found out that this company has this on my credit report but this debt does not even match my social security number, my social security ends in XXXX they have it listed ending in XXXX. I have also noticed on my credit reports that it states XXXX is reported as a variation of my real social security number and this company is the cause of this. so how in the world its listed on my credit reports. This is my LAST STEP in getting this resolved and removed. My very next step is to file a lawsuit. I take my credit seriously and this matter has not been resolved yet and I am furious.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: VT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX 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

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 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT ACCOUNT NAME : U S DEPT OF EDXXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details XXXX XXXX paid off Balance {$4.00} Balance updated XX/XX/XXXX Original balance {$4.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your XXXX  Score XXXX. 
Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX PAYMENT HISTORY LEGEND Status Open. 
Status updated XX/XX/XXXX Original balance XXXX XXXX  Monthly payment {$0.00} Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor CONSOLIDATED DIRECT LOANS 15 U.S. Code 1681c-2 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 Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I need to be able to place a credit freeze on my credit accounts to prevent unauthorized loans from being opened in my name, in no small part due to Equifax 's incompetence in allowing a breach of substantially all of their consumer data in XXXX. 

Equifax has been required by law to provide a free credit freeze service since XXXX. 

Since XXXX, I have attempted multiple times to open an account on the 'myEquifax ' website to be able to place a credit freeze. Every time I have logged into this account, I have received an HTTP 500 error from their web application, indicating an unexpected error in the software running on their web server. Competent software development operations consider a server returning an HTTP 500 to be an issue to be resolved quickly and task engineers with preventing them from recurring, as unexpected errors may lead to security problems and prevent them from fulfilling their legal obligations to customers, but Equifax appears not to run a competent software development organization or to care about customer experience. 

I have attempted at least three times to report this error so that I might gain access to an account to be able to freeze my credit, and have spent hours on the phone with Equifax customer service attempting to report this bug in their web application and seek a way to work around it. Equifax has never resolved this issue. I have never been able to freeze my credit with them. 

Their customer service personnel at one time insulted me as lacking initiative and thus being unable to get anywhere in life because I was unwilling to locate a fax machine to work around their continued incompetence in building and maintaining a web application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Synerprise Consulting Services, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This item has been disputed and found not to be my account. This item is not associated with me and should not be on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 book to my credit report transunion and found a hard inquiry on XXXX XXXX I did not recognize it I want to remove it

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 2022-12-14
Company: Experian Information Solutions 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, XXXX XXXX XXXX am writing this complaint today because my rights have been violated repeatedly by the company listed below. This company has violated my rights under 15U.S. Code 1681and U.S. Code 1679 I have a right to an accurate report and this company is reporting an inaccurate balance. The balance being shown is not correct as well as reporting an inaccurate file. I was charged a repossession fee twice. I purchased GAP insurance when purchasing the car, the lender was paid out by GAP to cover the loss vehicle. The file should be a point of sale and was reported as a installment loan. Because of these violations mentioned, I'm it be removed immediately as the solution. 
account to be removed as followed. 

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 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
In XX/XX/2022, I received a copy of my Transunion consumer report and noticed a report of a public record. I sent Transunion a dispute letter notifying them of the error and demanded that it be removed. 
On XX/XX/2022 I received a notice from Transunion stating they had completed there investigation of my dispute and the account was " updated. '' Transunion also noted on the letter that what was updated is " not specified. '' I went back to review the report I received in XXXX and then compared it to the " updated '' entry and I see no change at all. This account is reporting today the same as it was before. Transunion has NOT properly investigated this account and is willfully reporting incorrect and inaccurate information on my report. 
According to the FCRA, in order for Transunion to report the alleged US BANKRUPTCY COURT it would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the creditor to furnish this information and have previously communicated with me through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court, I also confirmed with XXXX, whom Transunion states on their website public record information is obtained from, that they were not able to validate this alleged bankruptcy in accordance with federal law. 
Transunion is breaking several federal laws and committing fraud according to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ), and I HAVE NOT given any direct or indirect instruction to furnish any of my information.

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 2022-12-28
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX-XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX/XXXX  Date XXXX inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete 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 2023-05-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
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: Reporting company used your report improperly

Complaint:
In Accordance with the fair credit reporting act. These Lists Of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX-acct # 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 XXXX Has violated my rights. 15 U.S.C 1681 Section 602 A. States I Have The Right To Privacy.

15 U.S.C 1681 Section 604 A Section 2. It Also States a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXXXXXX XXXX sent me these two letters stating I contacted them to investigate fraud on two accounts that does not belong to me. I have requested that XXXX XXXX   remove these accounts from my CRs but XXXX  XXXX declined. XXXXXXXX XXXX was NOT contacted by me for any fraud claim. In my opinion this is another example of Law breaking by XXXX XXXX XXXX Transunion And XXXX in a attempt to verify a charge off that does not belong to me. In a recent letter XXXX XXXXk stated they were not contacting me anymore on my issue. They are still harassing me in an attempt to verify a debt that does not belong to me. I have NOT reached out to XXXX XXXX requesting assistance with fraud. I have reached out to XXXX  to remove these inaccurate unverified charge offs from my CRs. Please view the new scam that XXXX XXXX is using to verify a debt that is not mine. Accounts XXXX and XXXX dont even appear on the CRs being verified by the 3 CRAs

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 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 sent my police report to TransUnion to have a fraudulent account investigated and removed. All other credit bureaus have removed the fraud paid collection account. TransUnion continues to report this fraudulent account as a paid collection. It is not my account and was never my account and should not be reporting on my credit. It should be removed in accordance with Section 605B of 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 non-monetary relief
Consumer complaint received 2023-01-26
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-01-27
Company: GLA Collection Company, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Originally I requested a written verification, which GLA Collections out of XXXX XXXX Indiana. They failed to provide such verification. So I contacted the billing agency of the hospital ( XXXX XXXX XXXX hospital, they said there was no such charge issued for XXXX $ Let alone sent for collection. So I called the collections agency and while trying to tell me the charge do exist they said they sent the original written notice to an address I have not lived in and I XXXX XXXX I havent had since a year prior. Meaning they have a false charge and refused to provide a written notice. I am able to retrieve the call from my carrier, and the company recorded it too.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked my personal credit report, which i acquired from your organization on XX/XX/2023 and i noticed that these unauthorized inquiries had been made.

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 2023-06-23
Company: EQUIFAX, INC.
State: NY
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 carefully reviewed my credit report in EQUIFAX. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief