BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX XXXX submitting this CFPB Complaint addressed to the Credit Reporting Agencies to request to the Credit Bureaus to remove the disputed Accounts and Information from my Credit File. Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any items not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous CFPB complaint I submitted on XX/XX/XXXX and I am including it again. Also, the information that some Credit Bureaus provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Once again, I need you to please remove the following items completely from my Credit File : 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 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 XXXXXX/XX/XXXX. This CFPB Complaint is to notify the Credit Reporting Agencies that if they do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit Bureaus accountable for your willful noncompliance.

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 2021-10-04
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved. 

CACH LLC/RESURGENT CAPITAL is violating my consumer rights under 15 U.S. Code Chapter 41 - SUBCHAPTER VDEBT COLLECTION PRACTICES. 

CACH LLC/RESURGENT CAPITAL have used abusive, deceptive, and unfair debt collection practices.

CACH LLC/RESURGENT CAPITAL have violated my consumer right to privacy, I NEVER gave them any my information directly and CACH LLC/RESURGENT CAPITAL has committed the crime of IDENTITY THEFT. 

I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution. 

I am holding the CACH LLC/RESURGENT CAPITAL civilly liable for their gross negligence. Attached is an affidavit of fact that includes the FDCPA violations and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
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:
To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, I noticed that some late payments posted to my credit report : XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX Your company is in clear violation of the law, Under 15 U.S.C. 1681b - permissible purpose of consumer reports, The Clearly States : 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.

Did I give you written instructions to finish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. -- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C. 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
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 # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX, and 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.

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 2023-01-11
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: Credit inquiries on your report that you don't recognize

Complaint:
Can u please delete the XXXX  " Duplocate hard inquiries ''. I know nothing about this second new inquiry at all. As i will provide documentation of the duplicate inquiries. 

I also froze my accounts with fraud alerts and reported to the FTC for further security & Investigation measures. This was improper use of my credit report of hard inquiries that i am unaware of and did not authorize. 

I was notified by XXXX XXXX XXXX XXXX app thats someone accessed my info. I also filed a FTC Report. Any company is supposed to contact me before hand regardless if an attempt is made to try anythi g on my report. U will also see i included that on my reports and in this report as well. 

The 2 Hard Inquiries was only supposed to be 1 Hard inquiry & 1 Soft pull. Its only for XXXX XXXX XXXX XXXX I have. I even have freezes and fraud alerts on there and not sure how it still got on there. 

As i will show u documentation that it was blocked originally. Experian is blaming the creditor, the creditor is blaming Experian and I been getting the run around. XXXX XXXX said on their end they only see 1 " Hard Inquiry '' which obviously isn't the case. 

Experian finally they told me it would be deleted in the next 24-72hrs but yet its still on my report. Duplicate Hard Inquiries : XXXX XXXX XXXX XXXX  ) can somebody please help me for somerhing that should be so simple to be 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 2022-06-09
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX I received my return receipt of certified mail when I sent out a debt validation written letter about two accounts that they are attempting to collect this debt on. I waited and still over this 30 day period have not received and validation in the mail at all at the address I provided. These two accounts have affected my credit score which lead to denial in my home purchasing process. I would like these two accounted deleted and removed from all of my credit reports because by law there has been no validation that I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 non-monetary relief
Consumer complaint received 2023-11-12
Company: Solar Mosaic LLC
State: SC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
BLUF : A loan was taken out in my name and a lien on my house to do work that was never done, nor authorized to be done. I rejected the solar panel plan and did not want anything done to my house. No work on the house was done, but a loan was still originated without my consent. 

Around XX/XX/XXXX : A solar panel installation company called XXXX XXXX XXXX ( XXXX ; XXXX ) did an unsolicited quote for solar panel installation on my new property at XXXX XXXX XXXX XXXX, XXXX XXXX SC, XXXX. 
I listened to the pitch and I gave them my info and I told them that I would think about their proposal. 
I called the sales agent after a few days and told him I was no longer interested in installing solar panels in my house. I checked the XXXX XXXX login portal and my status said the project was suspended. 

The date is now XX/XX/XXXX. 
I am in the process of buying a new house, and my credit report shows a lien on my house from Solar Mosaic LLC ( XXXX; XXXX ). The loan amount is {$26000.00}. ( Mosaic Loan Number XXXX ) I was never notified by phone or mail that this loan was being taken out in my name. 
XXXX XXXX uses Solar Mosaic to finance their projects. 

I have contacted both companies and requested that this lien be removed because I did not request solar panel installation. No installation was done nor planned, but the lien was placed anyway. 

It has been over three months since I originally contacted both companies. I recently called XXXX XXXX and got a new support ticket. 

XX/XX/XXXX XXXX XXXX support ticket # XXXX ( email and phone call ) XX/XX/XXXX XXXX XXXX support ticket # XXXX ( phone call only ) I have also called and emailed Solar Mosaic about the loan cancellation. They need approval from XXXX XXXX before they can cancel the loan. Mosaic has emailed me several times indicating that XXXX XXXX is not responding to their requests for cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I initially requested to Experian to investigate information on my report that I felt was inaccurate in XX/XX/2022. I never heard from them after sending my request via certified mail, ensuring they did in fact receive my request. I sent another certified letter to Experian in XXXX requesting Experian to please look into my credit report and investigate inaccurate information. I still did not hear back from Experian. I then filed a complaint with CFPB about XXXX and I finally heard back from Experian. While an explanation was received, I still had my rights violated. I had to wait well past the 30 days required to have an investigation completed for my request. 

According to the Fair Credit Reporting Act, Experian 's role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, and notifying them of the dispute and disclosing all relevant information regarding MY dispute. When Experian contacts the furnisher or vendor, they require vendors to verify all of the information regarding the item I disputed and report back within 30 days of the date that Experian received MY request ( 21 days for Maine residents ).

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed 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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to bring to your attention certain discrepancies in the information being reported on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ). This is the second time I reported this issue to XXXX ; however, there is still inaccurate information on my credit report. Under 15 U.S.C. 1681e ( b ), when information is challenged by a consumer, a CRA must in fact investigate the accuracy of an underlying disputed debt between a consumer and a creditor as part of its statutory obligation ( 1 ) to use " reasonable procedures to assure maximum possible accuracy of the information '' in its credit reports; and ( 2 ) to " conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file. The Acct ( XXXX XXXX  Acct # XXXX ) reported on my credit profile has multiple inaccuracies such as Date Reported, Lasted Date Of Activity, and Payment History. Transunion reported Date Opened XX/XX/XXXX and XXXX and XXXX reported date opened XX/XX/XXXX. The XXXX ( last date of activity ) is inconsistent meaning there's conflict that this debt could have been illegally re-aged which is an additional FCRA violations. Date Reported and Payment history are also inconsistent within all three credit bureau. If Transunion has verified the debt and did an investigative then there shouldnt be any misrepresentations being reported on my credit profile. 

Payment History Transunion listed ( NONE LISTED ) XXXX Has history reported XXXX Has History reported Last date of activity Tranunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Date Reported Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Falsified credit information can result in a lawsuit and damages resulting X> {$1000.00} per error. I would like an actual investigation, proof/ copy of original contract rectifying accuracy and verifying owe debt or account deleted from my credit profile within 30 of date.By continually reporting erroneous information on my credit report, Transunion is violating Section 1681 i of the FCRA ; and ( 2 ) generally alleges that Transunion failed to follow reasonable procedures to assure the maximum possible accuracy of my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: TX
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 hear by putting your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that Your organization assumes a vital role as a result my livelihood has been adversely affected. There is no such law that XXXX anything that needs to be reported to a consumer report agency therefore your organization is liable Your organization neither exercises its responsibilities with fairness and then partially nor protected my right to privacy. I request you to give me a piece of evidence that the information which is being reported has been properly investigated. It also provides the details of the system adopted by your organization to determine whether the transaction took place or not. If this matter is not corrected promptly I will pursue legal action in court according to Texas 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 2023-07-04
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: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2022-10-06
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:
In accordance with the Fair Credit Reporting act. The list of accounts below in my complaint has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name XXXX XXXX XXXX  XXXX XXXX # XXXX Account Name : DESIGNED XXXX XXXX # XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 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.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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