BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: VA
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:
I am writing to request the immediate removal of an unauthorized inquiry from my credit report. The inquiry in question does not belong to me, and I did not authorize anyone to access my credit information. 

Upon reviewing my credit report, I noticed an inquiry listed under my name from XXXX XXXX and XXXX XXXX. I have no prior knowledge of this company, nor have I engaged in any business or authorized them to access my credit information. Therefore, I believe these inquiries are erroneous and should be removed from my credit report. 

Here are the credit inquiries that I want to be removed : XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX BANK INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX BANK INQUIRY DATE : XX/XX/XXXX. XXXX REMOVAL DATE : XX/XX/XXXXXXXX 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 2021-06-24
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2021 I sent a debt validation letter to IC Systems. The letter was received by their office XX/XX/2021 via certified mail. 

I did not receive a response within 30 days ( Post Marked XX/XX/2021 ). 

XX/XX/2021 I sent a default letter to IC systems. The letter was received by their office XX/XX/XXXX via certified mail. 

I have not received a response with the 7 days indicated on the XX/XX/XXXX, letter ( Post Marked XX/XX/2021 ). 

IC Systems continues to report false and erroneous information to the three major credit bureaus while choosing to refuse validation of the alleged debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions 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:
My name 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2022-10-31
Company: SLM CORPORATION
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am {$190000.00} in debt with Sallie Mae for my XXXX degree from a public university. I was never told that my loans could never be consolidated, and that the company would be expecting over {$2000.00} a month from me for the combined monthly payments of all of my loans. Eventually, after forbearance for the maximum amount of time and a few months of missed payments, I was able to negotiate down the monthly payment to {$1000.00}. I have been paying this since XXXX of this year, with occasional help from my cosigner. This amount is simply unsustainable for me, as well as for my XXXX year old retired grandmother who never went to college and would have never cosigned my loans for me if she knew it would cause so much stress and financial hardship after I graduated. The company has regularly taken money from my bank account without my consent, causing me to miss rent and car payments. I do not know what to do, I can not keep paying this large amount every month and neither can my cosigner, who is on a retirement income. Due to the pandemic, I had to cancel my plans to move for employment ; and now, due to these high monthly payments, I am unable to save any money to better my life. My landlords are raising my rent and I already barely eat or buy necessities, and I feel utterly hopeless about my financial situation as long as these high monthly payments are being demanded of me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions 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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX 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 2023-05-18
Company: EQUIFAX, 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've Experienced Identity Theft These inquiries in my credit history are the result of improper usage of my social security number. I am not aware of any of these inquiries, but they are all being investigated by the FTC. I've been attempting to settle this issue for almost 5 months and have been ignored, which is a violation of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have tried several communication with Citibank to add my spouse as co-signer or joint account holder but Citibank has failed to do the same. 

After multiple communications over the customer service phone call, I have been told that the application for adding my spouse has been rejected Considering, I live in the state of XXXX XXXX where Citibank branches do not exist the paperwork has to be sent through postal mails. 


My Citi priority checking - XXXX. 
Name - XXXX XXXX Address - XXXX XXXX XXXX XXXX NC XXXX I would like to complaint about the bad services - > 3 months to come to the conclusion of the application No communication on the rejection of application Citibank has quality issues when it comes to providing customer services to the resident of the state where Citibank does not exist. 

If Citibank provides bad quality of service to the residents of the sate where they do not exist, they should not be allowed to operate in such states or put a disclaimer that they would discriminate their customer from customer experience perspective based on the geography they reside in.

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 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with fair credit reporting.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under usc 1681 XXXX XXXX # XXXX 15 u.s.c 1681 section 602 a.States I have the rights 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 ) ( s ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antedates the report 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 gas 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 2022-10-08
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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXX Bank XXXX XXXX - Account # XXXX XXXX XXXX Account # XXXX The above accounts have 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, states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section, states that 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 2023-01-11
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

12 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 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. 
Please send me an updated report upon completion of my request. 
Sincerely, 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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-08
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:
In accordance with fair credit reporting.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under usc 1681 XXXX XXXX # XXXX 15 u.s.c 1681 section 602 a.States I have the rights 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 ) ( s ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antedates the report 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 gas reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2023-07-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/2022 USAA bank reported that I have bad banking relationship with them to my consumer report. I have never opened up any type of products or accounts with usaa bank. Because of this my business funding was taken back from me destroying a business deal that was already in the works. I am also unable to open any other account all due to this false report. I have reached out to USAA bank several times I did the verification of identification and someone was supposed to call me for three weeks now and the wait was only 1 day. I went to a branch which took me four hours all for them to tell me that I had to wait for account recovery to call me. This is messing up my business and destroying my life XXXX XXXX  is the bank that once approved me for my funding and then took it back and XXXX XXXX is the one that denied me the opportunity to open up a bank and its all because if this false report from USAA bank

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: GA
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:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$3500.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXX XXXXXXXX Balance : {$94.00} XXXX - XXXXXXXX XXXX Inquired on XX/XX/2023 XXXX, XXXX, XX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: FL
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 had filed XXXX XXXXXXXX bankruptcy and voluntarily dismiss, i contacted the Middle District Bankruptcy Court about these XXXX  XXXX being on my credit report, i was told by the court, they do not provide information, the credit bureau does that. 
I have did a number of disputes with all 3 credit bureau with no success, These XXXX  XXXX bankruptcy falls under the Covid-19 Bankruptcy Relief Extension Act and should be removed as a matter of law.

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 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
An account from XXXX XXXX appears on my credit report and I have never had an account with them or done any business with that person. Due to this inaccuracy on my consumer report the credit reporting agencies are not in compliance with 15 U.S.C 1681e 607. ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2020-07-31
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:
I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DPT EDXXXX, DEPT OF ED/XXXX XXXX XXXX XXXX, U S DEPT OF ED/XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX 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 2023-02-09
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails i am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. 

I have remained humbled despite the stress, XXXX, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS :

Company response to consumer: Closed with explanation