BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 4. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted 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 2018-05-05
Company: Credit Protection Association, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Sir/Madam, Let me explain the situation below : ( 1 ) Monthly billing of my internet service was from date XX/XX/XXXX to next month XX/XX/XXXX of each month ; ( 2 ) My internet service was terminated on XX/XX/XXXX when I called the internet company for cancellation because I switched to another internet company on XX/XX/XXXX. A customer service person from the internet company told me on phone that in next billing, I would receive the 6 day usage charge about {$13.00}. 
( 3 ) I had only used 6 days from XX/XX/XXXX to XX/XX/XXXX but the internet company billed me full month charge which was {$82.00} in my online account. I called the internet company on XX/XX/XXXX and a customer service person from the internet company told me on phone that the billing would be fixed in next month ; ( 4 ) On next month, I received {$82.00} billing letter on XX/XX/XXXX. I called the internet company again on XX/XX/XXXX. Another customer service person from the internet company told me on phone that the billing would be fixed in next month ; ( 5 ) On XX/XX/XXXX, I received a collection billing letter with {$82.00}. I called the internet company again in same day. I paid {$13.00} for 6 day usage already. Another customer service person from the internet company told me that she had no right to change the billing and asked me to call a phone number but I could not get response by this number. 
( 6 ) On XX/XX/XXXX, I received a letter from CPA. 

I would like to have your help to contact the internet company to resolve the issue. 

Yours truly A customer

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 2022-12-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Equifax, XXXX and XXXX have been reporting inaccurate information regarding a Bankruptcy on my credit report. When I contact the agencies regarding this issue they keep responding with " verified '' by XXXX and Bankruptcy Courts. I contacted XXXX and the Bankruptcy courts and they reported that they did not verify any information in which I have the letters to prove it. I also sent the letters to all credit bureaus and they keep stating that it was verified by these agencies even with the proof in front of them. I want this information deleted from my credit report because it does not comply with FCRA 611 to report inaccurate information. I have attached the documentation from all agencies so you can see that they are giving false information as to how they are verifying the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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: Information belongs to someone else

Complaint:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. Inaccurate names : XXXX XXXX and XXXX XXXX ; Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX  XXXX ; inquiry : XXXX Inquiry Date XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
someone changed my Experian email address locking me out as I had a freeze on my credit report they were able to unfreeze my credit freeze and apply for credit cards in my name

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 2021-08-23
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 asking for account payment history to verify these charge-offs and amount being reported. I have not received any verifying documents and I am now requesting the attached accounts be deleted 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 2022-08-12
Company: Experian Information Solutions Inc.
State: MO
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 previously sent a letter addressed to the Credit Bureaus dated XX/XX/2022 requesting that the Credit Bureaus investigate and correct the statuses of the disputed accounts from my Credit report. I have also been sending letters before the said date and have also been expecting for the Credit Bureaus to respond but the Credit Bureaus never stopped to disappoint me. Under the FCRA section 609 and 611, the Credit Bureaus are required to validate the status of the disputed accounts. I am now submitting this complaint as a means to communicate with the Credit Bureaus and to inform them that if the Credit Bureaus are not able to correct the Accounts, I would highly appreciate it if the Credit Bureaus opted to remove the disputed accounts from my Credit report : XXXX XXXX Balance : {$0.00} USDOE/XXXX XXXX Balance : {$0.00} USDOE/XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}

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 2023-06-20
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I called Transunion at the internet listed number XXXX and was connected with a health monitoring company. 

I searched more and found the correct number XXXX. 

TransUnion Company TransUnion is an American consumer credit reporting agency. TransUnion collects and aggregates information on over one billion individual consumers in over thirty countries including " 200 million files profiling nearly every credit-active consumer in the United States XXXX XXXX Its customers include over 65,000 businesses. XXXX Customer service : XXXX ( XXXX ) XXXX Stock price : XXXX ( XXXX ) {$90.00} XXXX ( XXXX % ) XXXX XXXX, XXXX PM XXXX- Disclaimer Headquarters : XXXX, IL XXXX : XXXX XXXX ( XX/XX/XXXX ) Founded : XX/XX/XXXX Subsidiaries : TransUnion XXXX, TransUnion XXXX, MORE Disclaimer Profiles XXXX XXXX XXXX XXXX I talked with a representative on the phone who talked in more circles than I knew existed. 

I was asking why my Vantage 3.0 score dropped XXXX points. With XXXX XXXX and another monitoring company. After pressing for a non circular answer she told me that Transunion only provided credit information to XXXX XXXX and XXXX XXXX ran their own process on the numbers provided to them by TransUnion and produced their own score. TransUnion had nothing to do with the Vantage 3.0 score. But I could buy a credit report for {$9.00}? and then maybe I could get it straight. On the automated answering system when I called in the message said that Because of Covid all three credit bureaus were giving a report for free every 7 days. I asked the agent about that and she replied it is not the same thing and I needed to buy my credit report. She did not ask if I have gotten my free annual report or offer that information only that I had to buy my report. I told the representative that I was going to report her non answers to you and she said I can't stop, control, or something like that as if from my point of view she did not care what I said or did. 

I called XXXX XXXX and after talking to several departments and finally a supervisor they told me, they only use what TransUnion gives them and they can't do anything without TransUnion. They offered to pay for the report with a {$10.00} credit on my monthly statement to help me get the answer because they felt that XXXX points was a large drop in my score and they were willing to help find the issue. 

I call XXXX XXXX XXXX and they told me that for the Vantage 3.0 score they use what TransUnion gives them and they have nothing to do with the score and can only change it by reporting what I did with their company.

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 2023-05-24
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 submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$49.00} XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : $ {$2100.00} ; XXXX XXXX XXXX Balance XXXX {$120.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
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 account below has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c 1681 Account Name... XXXX XXXX Bank Account Number... XXXX 
Account XXXX... XXXX XXXX of XXXX Account XXXX XXXX Account Name .... XXXX XXXX servicing Account Number... XXXX Account Name.. XXXX  XXXX  Bank Account Number.. XXXX Account Name ... XXXX XXXX XXXX in Account number... XXXX Account Name XXXX XXXX XXXX XXXX XXXX  Account Number... .. XXXX Account Name ... .... untitled Account Number... .. XXXX ... XXXX Has violated my rights. 
15 u.s.c. 1681 section 602 A. State, I have the right to privacy.

15 u.s.c. 1681 section 604 A. Section 2 : It also state a consumer reporting agency can not furnish an account without my written instructions..

15 u.s.c. 1681 C. ( A ) ( 5 ) section state no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information/ other than records of conviction of a crimes antedates the report by more than seven years.

15 u.s.c 1681 S. -2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities, with fairness, Impartiality, and respect for the consumer right to privacy..

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 2023-09-26
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, I received an offer from a utility company. XXXX XXXX, mailed me out a offer of {$600.00} to switch my utility switching fee would be paid. acct # XXXX. 
XXXX XXXX, acct # XXXX XXXX XXXX was prior utilitiy. early cancelation fee was {$600.00}. After speaking with a XXXX. I switched over. that conversation took place. after giving all my info the XXXX. I spoke to a rept. gave the information from my mail of {$600.00} dollar switch over fee to that representative. I informed the representative to secure my closer fee to reliant. I informed the XXXX representative, I was not renewing my lease. When I find a cheaper resident, I would be in contact with them, now that was at the time of registering with XXXX, in XXXX. XX/XX/XXXX, I requested service be out of my name as of XX/XX/XXXX. Now this XXXX company. is now back stepping their agreement. I have struggle paying a few utility bills on time but always caught up. 
XXXX are taking advantage of me. I have been XXXX! Causing a collection company to effect my XXXX XXXX XXXX yrs. The collection XXXX XXXX XXXX ( XXXX ), report # XXXX. XXXX is now XXXX up a higher utility bill for XXXX, XXXX. And for the month of XXXX and XXXX for a XXXX of {$500.00} some odd dollars. I was out of my appartment on XX/XX/XXXX. They tell the shut off order the sales representative got disconnected. No way there was repeatedly informed him to disconnect. 
On top of this is I could no longer afford to pay my rent located XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, after XXXX yrs. of residency. ( On XX/XX/XXXX 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XX/XX/XXXX {$4900.00} XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2023-05-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Resurgent Capital Services L.P.
State: PA
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 am trying to dispute so many accounts that I havent never heard of. I been not using my credit and my credit has been getting used and I am getting punished for this as you see my credit is going up. Only thing I have that I apply for is XXXX  and I have XXXX in my account now I need someone to call me at my number XXXX because this is ridiculous and I am trying to buy a house and use my credit and now Im looking at things that I never even applied for even addresses that I dont even know

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Resurgent Capital Services L.P.
State: TN
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:
Lvnv funding- {$480.00} XX/XX/XXXX, XX/XX/XXXX date verification letter sent and then dispute it with all three credit bureaus. 

Lvnv funding llc.- {$920.00} XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX filed a report with police and FTC after house was robbed XXXX disputed it with credit bureaus, sent out a verification of debt XXXX XXXX XXXX {$1000.00} XXXX Requested debt verification letter. 

Lvnv funding llc. {$1200.00}. XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX filed a report with police and FTC after house was robbed, disputed it with credit bureaus, sent out a verification of debt XXXX XXXX  {$910.00} XX/XX/XXXX disputed wrote a letter for debt verification never received

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: SANTANDER HOLDINGS USA, INC.
State: MA
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 was beginning to look for a new car as my lease was coming to an end. I went to XXXX XXXX in XXXX massachusetts to see about Mabye leasing a XXXX, this was on XX/XX/XXXX. I spoke to the sales person to see what they may be able to do. At no point did I give them my social or permission. To run my credit I didnt even have my drivers license with me. I left to look at another places and was to speak with them on that following Monday if I was interested in a XXXX. My husband and I left the dealer shop and got about a mile down the road when XXXX XXXX alerted me that I had a new hard inquiry and that it was from Chrysler. I contacted the dealership corresponding with the general manager who assured me that they hadnt dont any hard inquiry. I assured them that at no point did I given them permission or ask for this to be done and that I was very upset. I would like to find out how this happened and have it rectified. I did not of course deal with them again. I leased a new XXXX  on the XXXX from XXXX of XXXX.

Company response to consumer: Closed with explanation