BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
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: Information belongs to someone else

Complaint:
I submitted a complaint last XX/XX/XXXX- XX/XX/XXXX and XX/XX/XXXX was closed immediately without submitting it to the companies involved. I submitted a complaint again last XX/XX/XXXX and got a response from XXXX. The others 2 Credit Bureau 's response is still pending. I am hoping that by submitting this new complaint, all the fraudulent accounts from my credit report will REMOVED and DELETED because I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them 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 2022-06-02
Company: EQUIFAX, INC.
State: MO
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 Account XXXX XXXX, and 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 1666B : A creditor may not treat a payment on a credit card or auto account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
im suffering because my credit looks bad and i have in accurate accounts on my report and it needs to be removed asap!

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have discovered unauthorized information in my name being used on my credit report. I have placed multiple disputes and complaints, and police reports with these companies, But these companies continue to show neglect by refusing to remove the account. Attached below is an affidavit that was sent to me from " XXXX XXXX XXXX " This attached affidavit was completed and emailed back to " XXXX " on XX/XX/2022, XXXX. 
The affidavit was emailed along with an FTC report, which is also attached below. The affidavit was notarized and signed by law enforcement as instructed by the company to get the account removed. The affidavit was also attached to multiple CFPB complaints which will be listed below as well. These companies are continuously unreasonably halting commerce and have damaged my relationship with other creditors and have hindered my ability to obtain certain licenses with the state. This is a recurring problem that needs to be rectified. If the account is not removed a federal charge will be filled against both companies " XXXX XXXX XXXX " and " TRANSUNION ". This charge may lead to a lawsuit. 

Citizen Complaint Center Antitrust Division 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 2020-06-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax illegally placed a fraud victim alert on my account without my permission or knowledge. They have refused to take this off even though I have jumped through hoop after hoop and answered ALL of their questions to verify my identity time and time again. My answers were read word for word from my EQUIFAX account ( I logged in prior to contacting them XXXX. They still claimed I did not provide them with the correct information. There is false. I did. I need this removed so that I can get utilities set up in my new home. I am frustrated and have also filed a complaint with. The XXXX. Waiting for a response from them as well. Equifax representatives have continued to lie, hang up the phone ( on multiple occasions ) and have flat out refused to let me speak to a supervisor time and time again. They need to be held accountable for their actions. What theyre doing to people is not ok. Please stop this. Its not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
After reviewing my consumer report, I have observed erroneous accounts and information that are unrelated to me. I did not provide authorization for any of this information to be included in my credit record, and it is significantly impacting my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02
Company: Experian Information Solutions 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: Information belongs to someone else

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 without my written instructions. 

It is not my name on debt. 
I have been living in same address for more than 10 years. Never had those services. 
Never had knowledge of debt until it hit credit reports and lowered points. 

XXXX AND EXPERIAN Lowered score wrongfully.

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 2018-08-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Sears mastercard states in writing that they ran my credit without my prior approval and reduced my credit limit from {$6000.00} or {$4100.00} based on a fraudulent basis see their note below : Our review was processed by a credit scoring system that assigned a numerical value to various items on your account ( s ) with us and your credit report I never authorized them to re-run my credit report after the initial credit application this is 3 years after the account was opened.

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 2018-08-05
Company: SUNTRUST BANKS, INC.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I paid for a XXXX service threw XXXX once the customer recieved the money i was. Blocked

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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my 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 XXXX XXXX XXXX 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 2018-08-05
Company: Experian Information Solutions Inc.
State: CO
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:
Hi my name is XXXX XXXX I am reaching out to you do to my Experian credit report. Couple months back I obtained a copy of my Experian credit report and on my credit report there was a duplicate account that was posting twice. One with no data and one with correct data So I contacted Experian and had it disputed. The consumers name that I was disputing for posting duplicate was XXXX XXXX  But unfortunately Experian member deleted an active account from a different company the name for that company was XXXX XXXX XXXX  due to the wrong deletion my credit score took an impact of dropping my score lower. I have tried contacting Experian multiple times but every time I do contact them I am greeted with the foreigner that does not understand what Im trying to explain every time I tell him they deleted the wrong one he tells me yes sir we deleted XXXX XXXX  and I tell him know yous deleted the wrong one then then they put someone else that still dont get that they deleted the wrong credit card posting. I had contacted XXXX XXXX and let them know they were going to post another months worth on my credit report but my concern is my past good credit report history is now missing due to experience deleting the wrong file.

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 2023-05-30
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:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, New York, XXXX XXXX There are damages on my consumer report and according to 15 U.S.C 1681 this is not acceptable.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete accounts listed 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 2020-07-12
Company: Advanced Collection Bureau, Inc.
State: FL
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:
Incorrect Derogatory Medical Collection Account being reported to my credit reporting by XXXX, XXXX, and XXXX. 

Advanced Collection Bureau continues to knowingly, willfully, and recklessly violate my FCRA and HIPPA rights by reporting an incorrect, invalid medical debt and collection account. The information reported is derogatory, contains medical information, affects my ability to obtain proper credit, and defames my character. 

I have attempted to remedy the invalid, incorrect reporting myself however, Advanced Collection Bureau INC refuses to respond, provide proper proof per FCRA regulations to me, or remove it as evidenced by the documents included in this complaint. 

USPS Certified Mail Letter : XXXX USPS reports " Delivered, XX/XX/2020 at XXXX XXXX  Delivered, XXXX XXXX XXXX, FL XXXX '' Advanced Collection Bureau , INC does not meet proper FCRA documentation requirements or provide proof this debt belongs to me. It reports " XXXX XXXX '' on my credit reports, personal medical information. This is not my debt. Advanced Collection Bureau , INC is incorrect in reporting this to XXXX, XXXX, and XXXX  on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Attempted to make my payment online ( like I always do ), but the system kept showing that my username and password were incorrect. I attempted four times and I was unsuccessful. As such, I called customer service and they placed me on hold for over XXXX minutes. I called again and waited until I had to hang up. I couldn't send an online message because I couldn't log in. Bear in mind that I didn't have to type my username and password, they are autofilled on my computer. So there was no chance of me entering the incorrect credentials. Additionally, I was able to login with the same information this morning, and I noticed that my minimum payment went from {$36.00} to {$100.00}. I was also charged {$30.00} late fee, and I'm sure that they have also hiked the interest rate because I was unable to login. I have never been late with a single payment. 

Prior to all of this, I was unwell and was on XXXX income through my employer. My husband has also lost him income because of a medical condition. We have to pay bills out of our savings. As such, I requested a hardship payment plan and it was denied. 

My card was previously serviced by a different bank, and I never had a problem until Barclays took over. First, they received my payment, and sent me late payment notice last month. Then my interest rate was set at the maximum rate even though I have good credit, and I have never made a late payment. 

This is absolutely ridiculous! Instead of helping someone who has always been a good customer you're trying to create more problems.

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been contacting Transunion for a couple of months regarding my credit report. They have failed to give me peace of mind and resolve my concerns! I am missing out on job opportunities, cant purchase a home and cant buy a car to take my grandma back in forth to the nursing home. These items that I listed in my ftc report are either UNTRUE UNVERFIED, INCORRECT INCOMPLETE, UNTIMELY, NOT MINE< NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! This is a violation ofFCRA 15 USC 1681i, every single one even each any or all of the unproven, non- compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirely or the alleged accounts are to be completely DELETED!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02
Company: Radius Global Solutions LLC
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:
Radius Global is reporting 2 fraudulent accounts on my credit. I didnt open these accounts nor did I utilize them. Someone used my info to open and use these accounts. Please see the attached FTC report and my driver license. please remove these accounts from my credit.

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 2021-11-08
Company: EQUIFAX, INC.
State: FL
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:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is still reporting on my Credit Reports and needs to delete immediately : XXXX XXXXDate of Inquiry XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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 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.

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 2021-11-08
Company: EQUIFAX, INC.
State: GA
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 been violated by the Credit Reporting Agencies and Corporations by furnishing information on my consumer report without my written consent.

Per 15 USC 1681 ( a ) 2 ( a ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Your company has violated my consumer rights by furnishing information such as payment history, which are considered transactions or experiences between the consumer and the person making the report. 

The accounts furnishing any late payments should be excluded and deleted from my consumer report. I did not give my written consent.

Company response to consumer: Closed with explanation