BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-12
Company: Experian Information Solutions 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:
I have never in writing allow this company to share any information or furnish any information regarding my information to any party. They do not have a written consent to report or furnish my information to anyone. 

Pursuant to 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

THERE HAS NEVER BEEN ANY WRITTEN INSTRUCTION BY ME TO THIS COMPANY TO FURNISH MY DTATA TO ANY CREDIT REPORTING COMPNIES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
Ive requested XXXX of the bureaus to correctly display a credit card and they have informed me that I need to contact the creditor as I have and they have assured me they are correct and reported the information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
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: Investigation took more than 30 days

Complaint:
XXXX how many times do you allow them to investigate and give them extended time when the complaint is simple as XXXX XXXX. This has been going on way past the allotted times and you frankly you are no better than they who destroy people. In my opinion a sham scheme to explore people and make money. Why do you send me facades as of your doing something. Very sad. 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 2022-07-12
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:
In accordance with the Fair Credit Reporting Act, 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 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was trying to get a pre-approval letter for a car from XXXX XXXX. I confirmed with them twice if this will be a hard pull. They said no, we will do a soft pull and will only send it to the bank for a hard pull if they agree to issue the loan. 
I got hard inquiries checked by like 4 different banks - I was not made aware of this. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Hard Inquiry XXXXXXXX XXXX XXXX - XXXX XXXXXXXX - Hard Inquiry XXXXXXXX XXXX XXXX  - XXXX XXXX, XXXX - Hard Inquiry XX/XX/2023 - XXXXXXXX XXXX - Hard Inquiry XX/XX/2023 - XXXX - Hard Inquiry XX/XX/202XXXX XXXX XXXX XXXX XXXX - Hard Inquiry XX/XX/2023 - XXXX XXXX XXXX - Hard Inquiry XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiry

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 2023-05-12
Company: Experian Information Solutions 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:
I Sent my letter off on XX/XX/2023. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. 

According to the FRCA term investgative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. Please remove these items from my credit report immediately Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-05-27
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:
Regardless of the previous written request, the unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. Given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please DELETE the account from my 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 2022-05-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
The lender repossessed the vehicle. The lender is reporting me as continually late to the credit agencies. I do not believe I owe money on this loan and it should have been closed after the vehicle was taken back. Please let me know what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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:
accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2022-05-27
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: Account status incorrect

Complaint:
The lender repossessed the vehicle. The lender is reporting me as continually late to the credit agencies. I do not believe I owe money on this loan and it should have been closed after the vehicle was taken back. Please let me know what is going on.

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 2022-07-12
Company: EQUIFAX, INC.
State: TN
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, Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Nelnet, 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: Account information incorrect

Complaint:
Department of Education / Nelnet : I am no longer connected with Nelnet, for the loan has been transferred to XXXX XXXX XXXX. Also, I would like the Department of Education/Nelnet removed from all my credit reports. It shows negative/Late payment, yet my student loans have been either in deferment and/or forbearance since acquired. 

Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: The Receivable Management Services LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit to see an account from the receivables for XXXX. Lost my job and became unemployed. Fell behind on payments and account went to collections.

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 2022-05-27
Company: EQUIFAX, 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:
Regardless of the previous written request, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. Given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please DELETE the account from my XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
XXXXXXXX XXXX XXXXXXXX XXXX XXXX I told them I have no contract with them XXXX XXXX XXXXXXXX XXXX I told them I have no contract with them XXXX XXXX XXXX XXXX I told them I have no contract with them XXXX XXXX XXXX XXXX I told them I have no contract with them XXXX XXXX XXXX XXXX I told them I don't have a contract with them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Company: Experian Information Solutions 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:
Regardless of the previous written request, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. Given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please DELETE the account from my 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 2018-05-18
Company: ProCollect, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I signed a lease at XXXX XXXXXXXX XXXX XXXX in XX/XX/XXXX for the following year XX/XX/XXXX-XX/XX/XXXX, I later found out that I had to move due to military orders and notified the apartment complex verbally. XXXX XXXX was the leading manager at the time and he told me that he would take care of the issue and I was fine. Turns out they still had me under the responsibility of the lease, even though another person, XXXX XXXX, moved into this same unit # XXXX during the time of the lease. I also later realized that I didnt pay any application, administration or deposit and the complex ran my credit any way and allowed me to sign a lease before getting approved. I called and they told me that they didnt have any emails or other records from XXXX XXXX because he quit. I went to talk to the new leasing manager, XXXX, and she did not provide me with any assistance, instead she gave me the number to the property manager, XXXX XXXX XXXX. I contacted XXXX XXXX through email and he asked for my the military orders and I sent them. After several weeks of no responses to my constant emails, voice mails, and text I sent a final email on the intent to sue for wrongful debt. Then and only then did another person, XXXX XXXX, call me and left a voicemail informing me XXXX XXXX XXXX forwarded her my information and also told me that the military orders are not what they are used to and told me I needed to turn in a signed form. However, XXXX XXXX has not returned any of my emails either about this form and it is getting frustrating because Ive been trying to resolve this issue for months. No one is trying to help me and this mark is ruining my credit. I never moved in, never received keys, and they allowed someone else to live in the unit that I was supposedly supposed to be paying for. This is so frustrating and I do not want to be bothered with this apartment any further.

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 2023-08-01
Company: Experian Information Solutions 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:
I did not initiate these inquiries, and I believe they are fraudulent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have received inquiries from companies that I'm not aware of or was supposed to do a soft pull. 

Please see the disputed inquiries : XXXX XXXX XXXXXXXX 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

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 2018-12-17
Company: Collections Acquisition Company, Inc.
State: NY
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:
I had a Dispute with XXXX XXXX XXXX and the owner is named Ms. XXXX XXXX. I removed my child from the Program. 

However, Ms. XXXX XXXX claimed that I still owed her for the upcoming month that my child would not be in attendance. 

I filed action against her in the Civil Court of New York , County of XXXX and won a " Notice of Judgement '' Index # XXXX in the amount of {$330.00}. She was also notified of this judgement by the courts. 

However, she sent a false amount that I owe her to a crooked collection agency named : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX-XXXX  http : XXXX  Email this Business ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
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:
I

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The letters are stated with items and issues. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
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: Credit inquiries on your report that you don't recognize

Complaint:
MY name is XXXX XXXX XXXX Someone have fraudulently have try to buy home and they, have have applied for credit and this company XXXX  put 3 negative negative inquiry in my credit report like you see bellow i contacted XXXX  and they have not remove them from my credit report i try calling them and they did the removal care in proceeding in he removal here is my Confirmation # :XXXX with XXXX XXXX  Credit Report for XXXX XXXX XXXX  Name of Company Date of Inquiry XXXX XXXX XXXX : :XXXX XXXX XXXX Details XX/XX/XXXX XXXX : :XXXX XXXX   XXXX Show Details XX/XX/XXXX, XX/XX/XXXX XXXX XXXX   : :XXXX XXXX Show Details XX/XX/XXXX Please have this company remove this fraudulent negative bad review from my credit.

AND THE SAME HERE WITH TransUnion  MY name is XXXX XXXX Someone have fraudulently have try to buy home and they, have have applied for credit and this company TransUnion put 2 negative negative inquiry in my credit report like you see bellow i contacted TransUnion and they have not remove them from my credit report i try calling them and they did the removal care in proceeding in he removal XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Please have this company remove this fraudulent negative bad review from my credit.

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 2022-05-26
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 XXXX Account # XXXX, # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I submitted disputes to the credit bureaus XX/XX/2018 I have not received responses as of this day. If they were sent please resend. This violates the CFPB regulations.

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