BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The 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, 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 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 or information Any other adverse item 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 2022-09-10
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX 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 2022-12-06
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2022 I was just payed from my job in the amount of XXXX which was XXXX XXXX  that morning. Around XXXX that morning I received a text from American Express saying my account was below XXXX with balance of XXXX cent. I contacted American Express for a dispute right after..I checked my account to see 2 transactions ( {$800.00}, {$870.00} ) were made to an XXXX XXXX. American Express tells me the transactions were made from my online account.I tell them I have my phone number hooked to my account so I dont have to use the online account..they constantly tells me my account automatically authorizes transactions so there was nothing they can do..I repeatedly tell them I dont know any XXXX XXXX but there was nothing they can do nor know if I can get my money back and I told them theyre the only ones who knows my info to be in my account but they say they cant see any of my online account that it is impossible for them to get into my online account. At that point I honestly feel like someone within their operations/employee did it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: NV
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:
XX/XX/XXXX SENT NOTICE TO COMPANY ENTERING INTO BINDING CONTRACT GRANTING PERMISSION TO USE DATA WHILE COMPENSATING ME AT RATE {$500.00} PER MONTH DUE IN PAYABLE EVERY FIRST OF MONTH 2 % MONTHLY INTEREST RATE OR UNPAID BALANCE PLUS {$50.00} LATE CHARGE PLUS {$100.00} BILLING FEE OR ADVISE CAN NOT AND DO NOT HAVE PERMISSION TO STORE INFORMATION ABOUT ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts 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 non-monetary relief
Consumer complaint received 2023-04-27
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2023-09-05
Company: Experian Information Solutions Inc.
State: NY
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.

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : 1. The inquiry was not authorized XXXX XXXX XXXX 
Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX 2. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 




However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case PLEASE UPDATE MY ACCOUNTS TO PAID ON TIME & REMOVE ALL NEGATIVE 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 2022-09-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is in reference to a previous complaint filed, case number XXXX, that was closed prior to resolution. I sent a dispute letter to Equifax XX/XX/XXXX. It was sent by certified mail and was received XX/XX/XXXX. According to the results of the investigation, Equifax claims they are unable to proceed with my request because they need additional information which was already supplied. As previously stated, I have already submitted my dispute letter to Equifax on XX/XX/XXXX. My tracking shows my dispute letter was received by your desk/receptionist/mail room on XX/XX/XXXX at XXXX. I will not be resubmitting another dispute letter as the information requested has already been submitted. As of XX/XX/XXXX, the 30 day window allowed to complete my disputes has expired and I would like all accounts that were disputed removed from my credit report. I have attached a copy of the tracking for my dispute letter and a copy of my dispute letter to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX have violated my right 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 furnace my account without my written pemission

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 2023-01-30
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:
Please update personal information which I saw your credit bureau to be missing or incomplete. 
I see that my personal information you are reporting is not accurate and that concerns me as a consumer. This is inaccurate. I am asking that you help me have this inaccurate information. 
corrected. 
Name : XXXX XXXX Address : XXXX XXXX XXXX Social Security Number : XXXX DOB : XX/XX/1990 Current employer : XXXX  This is the only information that should be reporting as it has to be accurate in order for it to be retained and reported. Since my banking institutions and credit card companies have this correct information, so should you in order for it to be correct and truthful. 
Please mail me a new and updated credit report once corrected.

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 2022-01-11
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I applied for CA Rental Assistance Program for rent relief in early XXXX and the application was complete and accepted. I waited a couple of months then finally received communications from the State as well as XXXX XXXX regarding funding being exhausted and the application being deferred to the other program. After receipt of the last communication XX/XX/XXXX, I was contacted by FCO ( Fair Collections & Outsourcing ), a collection agency for the balance remaining for rent for over $ XXXX. I moved out of the home in XXXX to prevent additional charges being incurred once I realized my application wasn't being processed in a timely manner and have been in constant communications with my property manager, but without notification the balance was sent to a collection agency. I would like to know what recourse I have in order to protect my credit. I have a feeling this agency will attempt to take me to court, and I am very concerned about this.

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 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Please be advised that on or about XX/XX/ I submitted a dispute.Asking How information was obtained in regards to a bankruptcy showing on my report. Trans Union sent a letter indicating that the US Bankruptcy Court Furnished information pertaining to the bankruptcy however I contacted the court and the court response was they do not report to any bureau or agency Im having a hard time understanding how this letter from Trans Union States a lie.Im Demanding this be Deleted off my Credit Report.This is in Reference of file 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 2022-09-10
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting act Credence Resource Management account # XXXX & XXXX XXXX XXXX account # XXXX has violated my rights 15 U.S.C. 1681 section 602A. 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 a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-10
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received an XXXX Credit Card in the mail today. I checked and it is currently active. I have not signed up for a new credit card. I have not authorized XXXX XXXX or Commenity Capital Bank to open a credit card under my name and it is now on my credit score. I would like to make a formal complaint as they are closed on the weekends and I won't be able to formally cancel this card until Monday.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-10
Company: NAVY FEDERAL CREDIT UNION
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 have 3 hard inquiries from the month of XXXX from NAVY FCU ( Finance ). I have never given permission for them to pull my credit nor do I know this company. The dates are XX/XX/2022 ( XXXX different times ) and XX/XX/2022. When I tried calling the number listed, it goes to a recording of an invalid number " your call can not be completed at this time ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently looked at my consumer report and was very upset to see items that are a result of identity theft. I did not provide written authorization or instructions for the identified transactions to be reported on my consumer report. 

XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-06
Company: SN SERVICING CORPORATION
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my mortgage due to a reduction in income because of health issues I was having. I hired a law firm to be able to discuss my mortgage with my lender. I also sent a qualified written request. My law firm called on XX/XX/2022 and asked where to send the documents. We complied and my law firm tried to contact my lender on XX/XX/2022 and XX/XX/2022. Both times the law firm was sent to a voicemail for someone named XXXX. Both times messages were left and the lender is aware they are attempting to try to retain the property. The lender will not call back and I am not sure I have had all available assistance under the CARES act accessible to me. Today, XX/XX/2022 the lender set a sale date and did not even give me 37 days under regulation X to attempt to retain the property. I believe my lender is purposely not allowing my law firm to get any information and they have not responded to the QWR and set a sale date with the QWR outstanding. I would like a fair chance to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. I never gave any written consent to report anything on my consumer reports. The following inquiries are unknown to me. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. XXXX XXXX  Inquiry Date XX/XX/XXXX and XXXX Inquiry Date XX/XX/XXXX. Please remove these inquiries.

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 2022-09-09
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:
My consumer rights were violated by this credit reporting agency. I didn't give them my written permission to share my information on a consumer report on my behalf, nor did I validate any of the information. Without my validation and verification of this information is a clear violation of my rights. Otherwise anyone could just say I owe them anything and report it and farther ruin my reputation. 

This is not a request for you to verify these accounts by checking the original source you got the information from, which is redundant and a complete waste of time. 
This is me notifying you that my rights are being violated by your impartial reporting. It is a violation of my rights. Failure to correct is you being willfully noncompliant, which farther violates my rights and makes you liable.

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