BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: SC
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. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX XXXX  ACOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX XXXX  XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX XXXX ACCOUNT XXXX XXXX However, they stated everything was complete and accurate, but how is this possible if the open date, date of last activity, and much more is incorrect? 

According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that are not reporting correctly.

15 USC 1681 section 602 A. States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions The Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 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 the information is inaccurate I am requesting Experian, XXXX, and XXXX remove this accounts from my credit report due to inaccuracies and falsely claiming this information is correct

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 2017-04-10
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card
Issue: Other

Complaint:
My daughter received a pre-approved letter for an American Express card. She was approved for a card. I never signed for a card nor ever was issued a card. Prior to XXXX I use to have an American Express card but filed bankruptcy which included American Express in XXXX and all my debts at that time including the American Express were covered in that debt. My daughter missed her payments and went into default and American Express in their attempts to collect a debt that does not belong to me erroneously added it to my credit report. If you look at my credit report you will see that in over 22 years I have not as much made a late payment, ever. Always paid on time and never have been late. I have called numerous times to have this resolved and they have done nothing but give me the runaround. They are even reporting that this account was opened in XXXX which the credit bureaus are aware of now and we are in the process of collecting all data if further action is needed as we have protections under the FDCPA which they have continuously violated. I have sent XXXX letters registered mail to American Express to no avail asking that this information not only is validated with my signature which they can not do because I never signed for anything and this account does not belong to me. My daughter even contacted them to no avail stating that this is her account and does not belong to me to no avail. Which means they continued on XXXX separate occasions to continue to violate the FDCPA which in turn means that they leave me open to Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) and so much more. 
I simply want this inaccurate information removed from all XXXX of my credit reports as they not only have refused to provide me with a correct validation of signature. Looking on a computer screen and seeing a summary of a debt owed does not constitute a legal debt especially in light that this is not my debt and no signature can be provided legally binding me to this erronious account that they continue reporting in error. One look at my credit bureau reports and you will see that I am correct and that this had damaged my credit in a severe way as I have not even had a single derogatory remark, negative item and have had a perfect pay history on time always in over two decades +. American Express has been negligent in following the laws that are in place to protect all of us consumers especially when you fall victim to a credit company such as theirs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23
Company: Credit Karma, LLC
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
Company : Credit Karma, receiving calls for another financial institutions, without my consent Wrong credit report, i wasnot approved for a credit card that was saying high % of approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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: Their investigation did not fix an error on your report

Complaint:
First and foremost i have been dealing with this issue for months now as while as numerous other problems with this company TransUnion have horrible customer service I have spoken with numerous of different customer service representative and supervisors with in this company and they all give me the same exact step to take in order to get these fraudulently items off. I have not apply for any of this items they say the investigated and I came back accurate once I fill a complaint but they have not provide with any results of an investigation. Tell these places to prove proof of identity that it like a copy of State identification card that is required in order to apply for any line of credit please conduct a proper investigate or remove theses fraudulent inquires!!! Then the response time always take more than 30 days very horrible customer service I have reached out to TransUnion numerous times about this issue I was talked to very rudely and i told to take these steps a second time by a supervisor within the company I have been a victim of fraud someone has been trying to open up accounts with my information I have listed the ideas below please help me resolve this issue once and for all XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft

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 2019-09-02
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Hello, To whom it may concern there seems to be a lot of inaccurate information on my Experian file. I signed online on XX/XX/2019 to check and see if everything was accurate. according to what it says my report number is XXXX Here are some of the things I have noticed to be inaccurate on my personal information I never lived at XXXX XXXX XXXX or XXXX XXXX so I would like those 2 removed from my file as I am unsure where those addresses even came from. 

On my social it shows 3 different ones only one is accurate the ones ending in XXXX or XXXX must be some type of fraud someone tried to do at some point in my life. The one ending in XXXX is correct. 

Hard Pulls that were never authorized by me nor do I recognize that I would like removed as soon as possible as it's not inaccurate potential fraud because I never approved of the following XXXX XXXX   XX/XX/2019, XXXX XX/XX/2019,

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 2023-07-24
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In late early XXXX, I received an email from Comenity that my payment was late. Since I had only recently received the card ( which I did not apply for ) and had not made any purchases, I called and found out there was a charge for {$49.00} from a merchant I didn't know. I started the dispute process but was told I still needed to make a payment even though I was disputing the charge. I went online and made the minimum payment as instructed. I received an acknowledgment letter of my dispute on XX/XX/XXXX. I received another letter on XX/XX/XXXX stating that they had determined I was NOT responsible and would credit my account. Since that letter I've received no less than 5 calls from their collection department, they continue to charge me interest and late fees and I believe have reported delinquency on my credit report. In each phone call, I explained what was going on, was transferred to the fraud department, and was reassured that everything would be fixed. I also have a XXXX store credit card through Comenity and on XX/XX/XXXX received a notice that my credit limit had been reduced due to " a significant decrease in your credit score ''. Since every other credit account I have is either paid off or paid on time, I'm assuming they are reporting this account as delinquent. In addition to their collections calls, I called in and spoke with XXXX on XX/XX/XXXX and the fraud department again on XX/XX/XXXX about this not getting fixed. I need help to get this resolved and my credit restored. I would also like information on what other recourse I have since this has cost me time and damaged my ability to get a loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-07
Company: Sequium Asset Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent this company numerous communications but all they ever did was sent me a invoice.This collection, originally reported by XXXX XXXX XXXX was removed by XXXX XXXX XXXX. This collection agency refuses to remove. It's even been updated to say IN DISPUTE. Why not say placed in error and remove it completely. This charge is the result of inaccurate billing and even though slow in doing so, was corrected by XXXX XXXX XXXX. 
Since this reporting is inaccurate, there is NO supporting docs that can be produced and fabricating an invoice is not appropriate. 
The truth also is that because of this companies failure to respond with requested support docs in a timely manner it is unfair that this is still allowed to be reported. 
I first requested an investigation back in XX/XX/2019 YET they failed to provide docs. 
CAN'T - NOT A VALID COLLECTION ATTEMPT I've sent numerous request for removal even certified mail but I get no response. 

SETTLED /PLACED IN ERROR/ PAID AS AGREED ( Accurate charges with XXXX XXXX XXXX =JUST ASK XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX OF XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX. 


Account name XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX  Account number XXXX Closed Account info Account name XXXX Account number XXXX Account name XXXX Account number XXXX XXXX Account number XXXX XXXXXXXX XXXX  Account number XXXX 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 name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-01-28
Company: EQUIFAX, INC.
State: NV
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/2022, I sent a certified letter to XXXX XXXX about debt validation, and they could not validate the debt. so, I sent Equifax. a copy of the letter and copy of the certified receipt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, Nv. XXXX ( XXXX ) XXXX Certified Mail Tracking # XXXX XXXX XXXX XXXX XXXX {$2100.00} is the debt amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE

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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I purchased the vehicle in 2017 my first time buying a car and I was paying on time every month until I had family problems witch led to me to move states. I contacted the company several times to see if they can lower my payments or work with me but they refused and also they harassed me with phone calls at odd times of the day. I ended up surrendering the vehicle back to them witch led me to be unemployed due to not having transportation.

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 2017-07-15
Company: Receivables Management Partners, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX / XXXX /2014   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , Fl  XXXX  This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
<P/>
You are required by federal law to provide me with verifiable proof on file of each account listed below. It is against the law to retain in my file, assemble, and sell a credit report containing unverified and invalid information. Your failure to positively verify the validity of the accounts listed below has hurt my ability to obtain credit. Under the FCRA you required to promptly DELETE NOW all unverified and invalid accounts, to avoid potential violations of FCRA 605.
<P/>
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. Please verify and validate all data for each listed account, every notation, dates and balances, whether reported or not. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
<P/>
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
<P/>
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
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Name of Account : ALLIED COLLECTION SERVICES Thank You,   XXXX   XXXX

Company response to consumer: Closed with explanation