BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-27
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX has provided me with a long over due 1099-C evidencing the amount of {$70000.00} being cancelled. Yet the debt is still reflected on all of the credit reporting companies and credit bureaus. This has caused me financial damage and will seek damages if this not resolved within the next 3-days. After I will file complaints with FINRA, the OCC, SEC, Attorney General for the lack of consideration. 

My civil liberties have been manipulated for fare too long. Please act accordingly. 

Please be advised by filing these earning reports put you at liberty violating 18 USC 912. By placing my principle, XXXX XXXX agent to the Principal ( XXXX XXXX XXXX ), as a XXXX XXXX in order to obtain money, the responsible party, CEO, CFO maybe penalized with fines and jail time of 3 years. 

As a private party, I dont have earnings connected with the trade or business franchise, then you cant have a tax liability. This is a form commercial invasion of the state which is in violation of Article 4 section 4 of The Constitution.

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 2021-04-19
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
So I'm a XXXX XXXX XXXX that receives the XXXX bill XXXX military pays for my schooling ) ''. I received a notice on my phone that I had a *Collection alert * from CONSERVE ( XX/XX/2021 ) on my XXXX  App. I was surprise to see that when I know the military pays for my schooling. At the time I was trying to purchase a house so I was like I'll just pay it. ( XX/XX/2021 ) After paying for the collection on ( XXXX ) I received a notification that the account was paid in full. Now as of today ( XX/XX/2021 ) I still have that same collection on my credit report. I called CONSERVE and ask them how long it will take for them to take the collection off my credit, there response was you have to contact the credit bureau now that you have PAID us. Please help me solve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Section 602 ( a ) of the Fair Credit Reporting Act ( 15 USC 1681 ), it is emphasized that consumer reporting agencies, such as XXXX and XXXX, must conduct their responsibilities with fairness, impartiality, and a sincere regard for the consumer 's right to privacy. As the consumer in question, I assert my right to ensure that my private information is not shared, supported by Section 6801 of 15 USC, which asserts that financial institutions have an ongoing obligation to respect customer privacy and safeguard nonpublic personal information.

It is crucial to note, as per Section 604 ( a ) ( 2 ) of 15 USC 1681, that any consumer reporting agency, including those aforementioned, is only permitted to furnish a consumer report in accordance with the explicit written instructions of the concerned consumer. In this instance, I have not provided consent, written or otherwise, for the furnishing of my information to credit agencies, as explicitly stated in Section 6802 ( b ) ( c ).

Moreover, Section 1681s2 ( a ) ( 1 ) ( A ) of 15 U.S. Code emphasizes that no person should furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. XXXX and XXXX, by reporting adverse information without my permission, are in violation of the law outlined in Section 1681C ( a ) ( 5 ), which restricts consumer reporting agencies from including certain adverse information in reports without authorization.

Additionally, these agencies are required by 15 U.S. Code 1681e to maintain reasonable procedures to prevent violations and limit the furnishing of consumer reports to specified purposes. It is evident that XXXX and XXXX are not upholding these reasonable procedures. 

Furthermore, 12 CFR 1016.7 emphasizes the consumer 's right to opt out at any time. In exercising this right, I hereby declare my decision to opt out of the reporting services provided by XXXX, XXXX, and any furnisher of information to credit agencies. Any consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

In conclusion, I urge strict adherence to the legal provisions outlined above and expect immediate cessation of any unauthorized reporting of my information to credit agencies.

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 2023-03-29
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the FAIR CREDIT REPORTING ACT XXXX XXXX ACCT # XXXX, has violated my rights 15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604A Section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
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. 

Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 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 2023-07-19
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX, CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I received a letter that I am being sued by XXXX XXXX XXXX XXXX. I have disputed this as I need evidence this card was mine. I have not received any information on the when the account was opened. This has negatively impacted my credit score and I believe has violated my rights according to the following : * 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.

* 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 * 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: TRANSWORLD SYSTEMS INC
State: TN
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:
My credit was rejected the day before closing on a house. The only new information that showed on my report after this happened was XXXX reports by Transworld for accounts that belong to my son and daughter. Since it cost me a home purchase, I was disappointed that all three credit reporting agencies ( XXXX, XXXX, and XXXX ) failed to validate that this was my account before adding it to my report. When I notified all three credit reporting agencies, XXXX immediately removed the XXXX Transworld reports ; however, XXXX is still waiting for Transworld to respond and XXXX closed the dispute, stating that they verified that the accounts are mine. XXXX has no intention of removing the Tranworld accounts that do not belong to me and XXXX may follow suit. These are apparently accounts for some type of lab that a doctor ordered for my son in XXXX and my daughter in XXXX. My son was XXXX XXXX XXXX and not covered on my insurance in XXXX and I would not have been with my adult son when he went to the doctor. My daughter was XXXX XXXX XXXX and covered under my insurance as a secondary insurance in XXXX, but I also would not have been at her doctor appointments either. Since I did not attend these appointments, and even my children would not have known whether the insurance would cover the lab work, I had no way of knowing that these charges existed. I have no idea why Transworld is suddenly adding my children 's bills to my credit report, or why they haven't reached out to my children or reported these on my children 's credit reports. I do know that the accounts do not belong to me and I did not know they existed, even my adult children would not have been notified if their insurance had determined a lab charge to be incorrect or not allowed. There is no logical reason for the XXXX credit reporting agencies to add these collections to my report, causing me to lose all of the money I paid toward inspections and appraisals on a home I was XXXX day away from closing on. Currently, there is absolutely no way that XXXX could have possibly verified these account as belonging to me, yet they refuse to remove them ; and worse still, there is no way of knowing when the XXXX credit reporting agencies might decide to allow collection agencies to add someone else 's debt to my report again. XXXX does not have ads everywhere promoting their paid services, but XXXX and XXXX do ; maybe to them, allowing these types of false claims will force consumers to pay for their premier services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

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 2022-04-17
Company: CITIBANK, N.A.
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 need you to investigate the following account Account # XXXX Account Name : CITI Bank I request you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). 
Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported Once you have finished your investigations, send me an updated credit report to the address stated above, Thank 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 explanation
Consumer complaint received 2023-11-21
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-04-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 2.The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 3, The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2020 4.The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 5.The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 5.The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2020 6.The following account is not mine XXXX XXXX  Account Number : XXXX 7.The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2020 8. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2020 9.The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2020 10.The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 11.The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020

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 2020-03-23
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 applied for a personal loan today XX/XX/2020 and I was not approved due to having over 15 accounts in negative standing appearing on my credit report. I was shocked when I found out about these accounts because none of them are mine. I did not open any of those accounts and I have never allowed anyone else to open all of those accounts on my behalf. I do not have any contract or agreement with any of those companies and I have never allowed them to access my credit. I did not benefit anything from these accounts such as money, goods, services or any other benefit ; If anything, these accounts are only bringing stress and problems. I did not make any payments towards any of these accounts. I filed a police report and a complaint with the CFPB regarding all of these unauthorized accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of 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 2023-03-29
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: Personal information incorrect

Complaint:
This company has my address in correct I have called ma d provided the correct information my address is 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