BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-10
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have an unverified accounts on my credit reports. I I have never done business with these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request I be provided verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that the companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: Bread Financial Holdings, Inc.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/18- collector called the number listed and left detailed voice message about me and advised legal action was being taken. That number belongs to a family member that lives in another state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately XXXX XXXX XXXXR - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately XXXX XXXX XXXX  - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately XXXX XXXX XXXX XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXXXXXX - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from 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 2023-10-17
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Two check were issued, both " lost. 
Put stop payment on both check at one point. Stop payment was reversed on check # XXXX dated XX/XX/23 - which cleared my bank on XX/XX/23. Check # XXXX was attempted to cash on XX/XX/23, but was returned due to a stop payment that was put on for good measure on XX/XX/23 since they had already cashed the first check. 
There are no funds that were returned to my account after they were taken out. All proof has been submitted several times. And I keep getting a response that the funds were returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX  did not protect my personal information, as a result the account was duplicated, stolen and charges exceeding the credit limit were made. Despite of talking to XXXX XXXX XXXX as well as with all major credit reporting agency, they continue to report delinquency and late payment on my credit report. I contacted all three major credit bureau and they removed the negative information, however this year they started to received and report negative information on the same account. 
I want all three credit bureau to stop and remove the negative information from my credit profile, this is affecting me in every aspect of my life and want the credit bureau to remove the lateness reported by XXXX XXXX XXXX.I am disputing the charges because i did not made them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Notice to repossess

Complaint:
XXXX XXXX XXXX is in violation of privacy act 1974, I didnt give XXXX XXXX XXXX Consent to report my personal information I also dont remember doing any business with this company, do to XXXX XXXX XXXX violating my privacy rights, I have been Suffering emotional damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this charge off, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as XXXX, Transunion and XXXX other fraud has been committed under my name. Please show me where I gave XXXX XXXX XXXX the consent to share my personal information to these institutions. 
15 U.S.C 6501-15 U.S.C 6505.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. 

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 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 2023-08-23
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-01-24
Company: WHEELS FINANCIAL GROUP, LLC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
There has been an ongoing issue with LoanMart ( on behalf of XXXX XXXXXXXX XXXX ). Initially, they charged an interest rate of 98.64 % on an approximately {$11000.00} loan. Then when I struggled with payments, they finally reduced the interest rate to 33.02 %, which still has payments of {$650.00}. I also found out that my vehicle loan is NOT listed on my credit reports because LoanMart is not reporting my loan to the credit bureaus, and I can not even trade my vehicle in for another car due to this. The dealership I'm working with said that my vehicle is a ghost because of what LoanMart has done. Also, I addressed the interest rate with LoanMart because I am a resident of Florida, and the loan was issued to me as a Florida resident. LoanMart said they are not bound by Florida law, which makes the 33.02 % interest illegal. Also, I read that title loans in Florida can not go over 18 % if they are over {$3000.00}. I need help in getting a resolution with this company. I believe my loan agreement is illegal and invalid. Again, LoanMart said because XXXX XXXX is a Utah-chartered bank, they are not bound by Florida law XXXX which I disagree with because I'm a Florida resident XXXX They issued a loan to me in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The Dept of Education has used illegal/unlawful re-aging tactics, to have closed debts remain on my credit report passed the federally allotted time. The DOFD ( date of first delinquency ) or the date that this account became 30 day late and no other payment was made was six months and 30 days, after recieving my degree, which would make the DOFD of the account XX/XX/XXXX. This means that this account should have been removed XX/XX/XXXX. It has not been removed because the XXXX XXXX XXXX XXXX has re-aged the account to reflect a DOFD of XXXX. This is not only agregious but illegal and I want this account removed Immediately.

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 2021-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
US DEPT OF EDU Account # XXXX Account # XXXX STATE OF MD Account # XXXX Account # XXXX I did not open these accounts. I was never made aware of the opening of these accounts. I have never knowingly paid any money toward these accounts. These fraudulent accounts are being inaccurately reported by XXXX, Transunion, and XXXX. US Department of Education and State of MD CCU are harassing me for payment but have never responded to my disputes or validated these debts. It has been well over 60 days since I disputed these accounts. I have not received a response. Remove these account immediately or I will sue. My right to privacy has be violated repeatedly. I have not gave anyone permission to furnish this information on my consumer report. My information has been violated by the XXXX Data Breach. I am a victim of identity theft. This information needs to be removed IMMEDIATELY.

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 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, XXXX XXXX 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 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 or 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 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 non-monetary relief
Consumer complaint received 2018-11-02
Company: TD BANK US HOLDING COMPANY
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 is missing that should be on the report

Complaint:
On XX/XX/2018 my payment of {$25.00} to XXXX XXXX XXXX was posted and bounced back on XX/XX/2018. This was because my wallet was stolen, and my bank account number had to be changed. XXXX locked my account, and I was unable to pay online or in store with my card. I did not want to post a payment through the phone as my credit card was just stolen and I was concerned about identity theft. I spoke with numerous customer reps at XXXX who assured me my online account would be fixed. My account was not reactivated until I was forced to pay the account via phone. Finally, on XX/XX/XXXX I agreed to pay the balance over phone as no other options existed. 

Since that date, XXXX has reported my payment as late, and all of my attempts to rectify the situation via customer service has ended in either being hung up on or told theres absolutely nothing they can do. At this time, XXXX has 1 ) reported my payment to be 60 days late despite my best efforts to pay them, 2 ) charged me a late fee, 3 ), 4 ) been unwilling to accept any fault in this matter, and 5 ) unwilling to update my credit report despite their fault in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
TransUnion continues its business partnership with XXXX XXXX. Today, I received a standard message from TransUnion informing me that a collection account on my credit report meets the guidelines of the Fair Credit Reporting Act ( FCRA ). When I called TransUnion and asked for a method of verification, they stated that they were not allowed to provide it. This debt in question is associated with XXXX XXXX, which was recently found liable for engaging in questionable debt collection practices and has collaborated with TransUnion to report inaccurate and fraudulent accounts on my credit report. TransUnion receives payments from XXXX XXXX and prioritizes their data providers over consumers. I have submitted all the necessary documentation to both TransUnion and the collection agency. According to the FCRA, the item that does not belong to me should be removed and blocked during the investigation process. However, TransUnion has refused to do so.

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: Experian Information Solutions Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A credit card was taken out at a bank with my information. All three credit reporting companies- Experian, XXXX, and XXXX - lowered my credit score because of a hard inquiry and a new credit card which I did not apply for!! 

I spoke with someone at the bank to get this straightened out, but it takes 30 to 60 days to remove it from my record. I notified one of the credit agencies regarding the fraud and they wrote back that they checked the information and I had taken out the card!!!

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 2023-01-17
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$7700.00} ), XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX  : {$430.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, XXXX  : {$490.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, XXXX  : {$1100.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, XXXX  : {$2300.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, XXXX  : {$1800.00} ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX  : {$14000.00} ), XXXX XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, XXXX  : {$470.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, XXXX : {$500.00} ), XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$540.00} ). Its been over XXXX days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting 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 non-monetary relief