BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-07
Company: EQUIFAX, 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:
I have several accounts that are reporting negatively on my report that's causing severe harm and and credit denials during a severe time of need I am currently XXXX  so I need my credit to obtain housing. FCRA 605B states with a police report and FTC report the information should be deleted and suppressed that is fraudulent or a result of the identity theft that I am currently experiencing my information including my social has been leaked onto the dark web and I am constantly being harassed by creditors such as XXXX who leaves 5-6 messages daily requesting and harassing for payment and other debt collectors that XXXX XXXX and Equifax are neglecting to accurately investigate and report. XXXX has a through understanding of my Identity theft as they are constantly giving updates as well as I have a claim and specialist that I am working with to recover my identity to the best extent but at this point the only solution is a reissuance social security number due to the severity of the breach. I request that all three bureaus remove immediate the fraudulent information outlined in the attached police reports and also the results from the Identity theft so that I can go back to having the accurate score and reporting that I acquired short of 6 months ago which was a XXXX score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Failure to respond in a timely matter under FCRA consumer laws see attachments.

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 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for 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 non-monetary relief
Consumer complaint received 2023-02-23
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX is refusing to delete /Remove my paid in full accounts XXXX XXXX accounts reported in different areas on my XXXX  credit report even after the company stated the accounts are being removed because the accounts are paid in full and being reported in different area on my XXXX  report as a potentially negative account which is wrong and it must be corrected. The company XXXX XXXX advised that the Three credit bureaus would be notified. However XXXX XXXX Transunion, XXXX XXXX and XXXX XXXX is refusing to remove the multiple paid XXXX accounts from my credit reports listed above. This is also with my XXXX accounts being reported in different areas on my credit profile being reported with the account mutiple times that's paid, XXXX XXXX XXXXXXXX, XXXX and XXXX XXXX XXXX XXXX These accounts are reported more than once in different areas on all three credit reports.

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 2021-04-16
Company: Avant Holding Company, 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:
Avant opened a account online for someone using my information. They then sold off the account. I ask for proof of owner and verification they informed me that they didnt own the account so they couldnt send me copies of the contract showing my signature or the information listed on the account. However they insist on reporting to the credit agency. Even though they dont own the account, nor can they produce any documentation. XXXX refuses to remove the information from my report even though I have shown proof that the owners of the account states they arent reporting this to the credit bureaus. Was told theyre not obligated to assist me. Nor are they obligated to look at the document I sent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received both a new debit card and a letter from bbt bank sating that they are closing my account. When i called they said there was a problem with XXXX on my account. They would not give me any details but said they closed my account and i could go to any bbt drive through with ID and get the funds. I went today and they said it was at XXXX. 
I called the fraud department and got passed around for a while. They said they " see the notes saying i could go to a branch to get the money but sidnt know the details ''. Finally i was transferred to XXXX the supervisor. He told me that someone had reported " XXXX fraud ''. I have only recieved XXXX koney from my daughters father for the exact same amount as it is child support ordered by the state. I explained this and said there must be a mistake and asked how much the conplaint was for? He refused to tell me. I asked for the details that they used to determine that this fraud report was actually true and he said they dony have to tell me. I asked him how then they knew it wasnt fake then and he said, " when we get a XXXX  conplaint we just automatically send the funds back. you agreed to these conditions when you used XXXX. '' I asked why my account wasnt negative then if there was a legitimate fraud report and he reaponded, " oh we just dont let your account go negative for XXXX. '' All i know is XXXX was the fraud investigator and that his name was XXXX but not how they made the determination or what proof eas used against me. 
I feel very taken advantage of since, according to bbt, i have no right to any information from them even though they have erroneously found me guilty. 
I dont care about the account but the way this situation has played out has me feel as if yhere was theft. I dont know what to do.

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 2021-10-14
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: Credit inquiries on your report that you don't recognize

Complaint:
I tried fixing this problem about ( me ) having some unauthorized inquiries with Transunion before, Transunion just comply with some part of the issue, but they missed to delete 1 unauthorized inquiry, I believe it was an error but I want to fully make sure they comply with the issue I am having right now, Before I DEMANDED FOR IMMEDIATE REMOVAL OF ALL UNAUTHORIZED INQUIRIES FROM MY CREDIT REPORT. an Affidavit of truth and a cease of desist was certified mailed to their location. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX. 

They deleted the first 4 inquiries but they did not delete XXXX Date of inquiry : XX/XX/XXXX. 

they send me a letter ( attached with this complaint ) One part of the letter say " YOUR WRITTEN AUTHORIZATION MAY NOT BE REQUIRED TO CONSTITUTE PERMISSIBLE PURPOSE. PLEASE NOTE THAT YOUR SPECIFIC CONSENT TO THE RELEASE OF YOUR CREDIT INFORMATION IS NOT NECESARRY FOR A PERMISSIBLE PURPOSE.

Transunion still in violation of 15 USC 1681b ( a ) ( 2 ) in violation of 15 USC 1681n ( b ) in violation of 15 USC 1681 ( a ) in violation of 15 USC 1681 ( b ) in violation of 15 USC 1681r in violation of 18 USC 1028A ( a ) ( 1 ) in violation of 18 USC 1028A Aggravated Identity Theft ( c ) ( 4 ) in violation of 18 USC 1028 Fraud and related I never gave TRANSUNION any written consent to report unauthorized inquiries on my consumer report, No consent is Identity Theft.

Any person who obtains a consumer report from a consumer reporting agency. under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency. for actual damages sustained by the consumer reporting agency. or {$1000.00}, whichever is greater.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: 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: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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 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 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 2023-03-10
Company: EQUIFAX, INC.
State: OH
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 received a notification today from my credit bureau regarding a collection that went on my credit profile. I did not do any business with this merchant. This account is fraudulent or belongs to someone else. 
please remove this fraudulent account from my credit report. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
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: Credit inquiries on your report that you don't recognize

Complaint:
I have over 21 credit inquiries on my report that are false, I did not authorize these inquiries, this has been an ongoing problem with these reporting agencies for some time now. 

These are the inquiries that are falsely reporting on my report : XXXX  1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX  4. XXXX XXXX  5. XXXX 6. XXXX XXXX 7. XXXX  8. XXXX XXXX 9. XXXX XXXX 10. XXXX 11. XXXX 12. XXXX XXXX 13. XXXX XXXX  14. XXXX XXXX 15. XXXX  16. XXXX XXXX 17. XXXX 18. XXXX XXXX XXXX  19XXXX XXXX 20. XXXX EXPERIAN 21. XXXX XXXX  XXXX 22. XXXX XXXX  23. XXXX XXXX XXXX  24. XXXX XXXX 25. XXXX XXXX XXXX 26.XXXX  XXXX XXXX 27. XXXX XXXX 28. XXXX XXXX  XXXX 29. XXXX XXXX XXXX 30. XXXX XXXX  XXXX. 
31. XXXX  32. XXXX XXXX 33. XXXX  34. XXXX XXXX XXXX 35. XXXX XXXX XXXX XXXX 36. XXXX XXXX XXXX. 
37. XXXX 38. XXXX XXXX XXXX  39. XXXX XXXX 40. XXXX XXXX 41. 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 2020-04-10
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have over 21 credit inquiries on my report that are false, I did not authorize these inquiries, this has been an ongoing problem with these reporting agencies for some time now. 

These are the inquiries that are falsely reporting on my report : XXXX 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX  5. XXXX 6. XXXX XXXX  7. XXXX  8. XXXX XXXX 9. XXXX XXXX 10. XXXX 11. XXXX 12. XXXX XXXX 13. XXXX XXXX  14. XXXX XXXX 15. XXXX  16. XXXX XXXX 17. XXXX  18. XXXX XXXX XXXX  19.XXXX XXXX 20. XXXX XXXX 21. XXXX XXXX  XXXX 22. XXXX XXXX  23. XXXX XXXX XXXX  24. XXXX XXXX 25. XXXX XXXX XXXX 26.XXXX XXXX XXXX 27. XXXX XXXX 28. XXXX XXXX XXXX  29. XXXX XXXX XXXX 30. XXXX XXXX  XXXX. 
31. XXXX  32. XXXX XXXX 33. XXXX 34. XXXX XXXX EQUIFAX 35. XXXX XXXX XXXX XXXX 36. XXXX XXXX XXXX. 
37. XXXX 38. XXXX XXXX XXXX  39. XXXX XXXX 40. XXXX XXXX 41. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2022-11-03
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Was called today by Radius Global about a bill dating back in XX/XX/2018 from XXXX. The caller claimed I owed over {$600.00} on this bill. I asked information about the debt and they only provided me with a XXXX that I have never seen nor do business with. I started questioning about the bill such as original creditor, acct number and total amount owed ( any interest or payments made since last billing statement ), asked about age of debt and date the original creditor claims the debt became delinquent. Caller could not provide information to this. Also asked for the authority to collect the debt in my state and if they are licensed to collect and as well as the license information. Again the caller could not provide this information nor get a " supervisor '' on the phone to be able to provide this information. They are in clear violation of the Fair Debt Collection Practices Act.

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 2021-03-04
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
How was this deleted due to violations and multiple inaccuracies and now it's re-inserted.I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-11-03
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of this year 2022 Credit reporting agencies were made aware of fraudulent accounts & incorrect information on my consumer reports.

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