BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
There are accounts reporting on my consumer credit report with different amounts and different open dates from the other agencies that are reporting those same accounts. XXXX isn't reporting any of the accounts that the other 3rd parties are reporting and those are violations and must be removed immediately according to congress and federal law 15 USC 1681. Not only are they violations according to congress but I've been violated and I've also been denied for things that I've apply for, I've been humiliated and denied my rights to privacy when congress put it in writing and a consumer also has the right opt out of 3rd party affiliates as yourself, I feel my life is in danger because of your agency reporting my nonpublic information to the public without my permission or my written consent. 
15 USC 6802 and 16 CFR 313 explains the privacy of a consumer financial information and explains that a financial institution may not directly or through any affiliate disclose to a nonaffiliated 3rd party ( XXXX, XXXX, Transunion, and XXXX XXXX ) any nonpublic personal Information and if so, that is also a violation, and the consumer can be compensated {$1000.00} or more each month the consumer 's nonpublic information was reported. I will provide a copy of my consumer report, my opt out letter, the Privacy act of 1974 EXPLAING CONSUMERS RIGHTS TO PRIVACY, OPT OUT RIGHTS AND THE PUBLICATION 4681 CERIFICATE OF INDEBTNESS which explains what a charge offs is and the reason it is not supposed to be on a consumer 's report, a list of the items that I would like removed immediately, also all addresses except XXXX XXXX XXXX XXXX  la XXXX because the other addresses are not mailable addresses.

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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 non-monetary relief
Consumer complaint received 2023-08-10
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My bank withdrew {$230.00} from my checking without my permission, authorization or even any notification on XX/XX/23. They did this to cover overdraft fees on my spouses business account ; which I am not on or have anything to do with. Those fees occurred due to them taking money out of that account for fees that werent disclosed and putting it in a negative amount. It is my understanding that a bank can only withdraw money without authorization for loans that they hold and are not being paid ; the right to offset.

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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-19
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 is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2023-12-20
Company: Prosper Marketplace, Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Prosper Funding LLC continues to inaccurately report this account. As the holder of the contract I have initiated arbitration for fraud. Prosper Funding LLC failed to disclose the contract is the security that is being used. Not only is Prosper Funding LLC benefiting from the trading of the security they have kept all proceeds from the trading. As the registered owner of this security I am entitled to the profits and interest that my security has generated as an investor of Prosper Funding LLC. Since Prosper has failed to answer to my demands as a protected consumer I have initiated arbitration and Prosper Funding LLC is violating law by continuing to report this account delinquent and take money from my. Until the arbitration action is concluded Prosper Funding LLC is barred from reporting.

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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 

XXXX. I never late on this account XXXX XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. I never late on this account XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. This charge off account does not belong to me. I never have any financial obligation with this company XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. This collection does not belong to me XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. This collection does not belong to me XXXX Account Number : XXXX Please remove it from my credit report. 


Thank You Sincerely yours, 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 2023-08-10
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: Information belongs to someone else

Complaint:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was scammed by a fake loan company on XX/XX/23. I have proof of the scam, called and reported to my bank, But, they said I am responsible for allowing it to happen. They scammed me thru bank verification not approved. They took XXXX total in FALSE dispute claims. In return XXXX XXXX is making ME the victim pay back funds that I did not ever report for disputes. XXXX XXXX took XXXX from my person l checking account on XX/XX/23 forcing me to pay a debt from a fraud claim. THEN today XX/XX/23 they TRIED to charge me another XXXX. i am very upset they are refusing to return my money. I even filed a police report thru our local Bank Fraud team. Please HELP ME> This is Security Fraud and I am the VICTIM being help responsible for a SCAMMERS actions. I attached the Fake loan approval document sent tome the day this transpired. They used a REAL loan company to XXXX customers. They closed old account the XXXX happened on and opened NEW account same day XX/XX/23. However they are now taking funds from my new account to cover the debt created from this FRAUDULENT activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: NY
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 noticed some inaccurate information on my credit report and went to the XXXX XXXX XXXX  site to get a copy of my complete consumer report. The site had an error where i couldnt download or view the report at all. I went to request a copy and I sent a letter to Equifax immediately to have it resolved. I haven't gotten a response yet and I need that report immediately as there may be serious issues on the report I need to address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
National Credit adjusters reported to all XXXX XXXX XXXX a collection debt for XXXX from XXXX from XXXX XXXX. I made a dispute and sent them information that cash central reports paid in XXXX. This company reported on my credit without sending any notification of the debt by mail or by phone. I never had a chance to dispute this debt or show it paid. They just reported on my credit and dropped my score XXXX points There response On Wednesday, XX/XX/XXXX at XXXX XXXX XXXX  XXXX XXXX XXXX wrote : Current Creditor : National Credit Adjusters , LLC XXXX Balance XXXX {$4500.00} NCA Account # XXXX Account # Original Creditor Balance XXXX XXXX XXXX XXXXXXXX {$4500.00} XXXX XXXX, XXXX XXXX for the delayed response. 



We acknowledge receipt of your communication indicating that you dispute the account or a portion thereof. 



We will refrain from communicating with you while we research and validate the debt. However, if we mail you validation of the debt, we will resume contacting you some time afterwards. 



This communication is an attempt to collect a debt by a debt collector. Any information obtained will be used for that purpose. 



Sincerely, National Credit Adjusters XXXX response to them You do not have to refrain from speaking with me as you have never called me or sent any communication of this debt being owed. I sent the dispute out XX/XX/XXXX and you know respond XX/XX/XXXX. 

You have reported this collection to all three bureaus on my credit report without sending out proper notice of the validity of the debt. I am quite knowledgeable of the Fair Debt Collection Practices Act that came into effect XXXX of XXXX. Are you familiar with these laws? 

There are certain steps debt XXXX must take before they can report a debt to a credit reporting company. They must do any of the following : Speak to you by telephone or in person about the debt Mail a letter or send an electronic communication about the debt and wait for a reasonable amount of time, generally XXXX days, in case it is returned as undeliverable If the debt collector sends you a validation notice, it means that theyve satisfied their requirement to contact you and, in general, can begin reporting the debt to credit reporting companies, provided they follow other laws about credit reporting. 

Where is your validation Notice? I suggest you remove this debt from my credit immediately within XXXX hrs or I am filing a complaint with the CFPB. 
I suggest you take this seriously. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
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: Public record information inaccurate

Complaint:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2018-07-07
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
XXXX I went to XXXX XXXX XXXX OR, then later to find out is was all a scam. I've had little to no luck, finding information to on who to contact to have my loans looked at. The news keeps reporting information with no contacts to call or email. I filed a forgiveness letter through student aid, but no response. It's been a real nightmare with XXXX plus in debt and no relief. Please someone help guide me, I know there are millions of other people in my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-19
Company: Absolute Recovery Services, LLC
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:
I Disputed a Collection Account that was Reported on my Credit Profile. I have sent in Multiple Disputes & have yet to get a Removal or Response. The Account that was reported is not Mine and I would like for the Credit Bureaus to Remove it. Once this is removed can you please have them to send me a Updated Credit Report. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation