BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: NY
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 appreciate your assistance in REMOVING a portion of the data in my credit file that resulted from FRAUD, but I still have items that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report for a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX : {$4400.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: In progress
Consumer complaint received 2017-07-01
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Incorrect and or inconsistent information across All three Credit Bureaus Identification of the specific information being disputed XXXX, Experian and XXXX reporting Acct Number XXXX Basis for the dispute : XXXX Account # XXXX Open Date XX/XX/2016 Last payment XX/XX/2016 Payment History XXXX 2016 Unknown XXXX 2016 Unknown XXXX 2016 30 days late XXXX 2016 Unknown XXXX 2016 Unknown XX/XX/XXXX 30 Days Late XX/XX/XXXXCollection/ Charge off Remarks : Charged off account Credit Card Creditor Information : NONE XXXX Account # XXXX Open Date XX/XX/2016 Last payment XX/XX/2016 Payment History : No payment History Reported Remarks : Charged off as bad debt | Account information disputed by consumer, meets FCRA requirements Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Experian Account # XXXX Open Date XX/XX/2016 Last payment XX/XX/2016 Payment History : XXXX 2016 OK XXXX 2016 OK XXXX 2016 30 days late XXXX 2016 OK XXXX 2016 OK XX/XX/XXXX 30 Days Late XX/XX/XXXX Collection/ Charge off Remarks : Customer Disputed account- reported. |Unpaid Balance reported as a loss by the credit grantor Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone # 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 2023-11-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Kindly be sure with the accuracy and precision with this customer record accounts. Related information similar to this, this is amazingly harmful to my current credit record! Kindly provide that the particular information is 100 % verifiable and appropriate. 
XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1500.00}

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 2015-06-10
Company: Accelerated Receivables Management, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am a XXXX year old widow of a military veteran in XXXX, FL. A company called Accelerated Receivables Management, XXXX XXXX XXXX, http : //www.cuttingedgecollections.com/ has been calling and leaving threatening messages on my answering machine. They want the attorney for my deceased husband, XXXX XXXX, to contact them. When my daughter called them from her place of business to find out the reason for their call, they told her that XXXX XXXX XXXX is suing my deceased husband, XXXX XXXX for an unpaid debt in XX/XX/XXXX. She tried to explain that my husband died XX/XX/XXXX and we do not use XXXX XXXX XXXX - they must have the wrong information. The agent for Accelerated Receivables Management, XXXX XXXX, threatened my daughter by telling her he was going to serve her papers at her place of work and take her to court. My daughter reported them to the XXXX, State Attorney 's office and sent an e-mail asking for a Validation Notice because we do n't even know how much they are trying to collect. Is n't there something wrong with harassing me and my daughter for a debt we do not owe - especially with nothing in writing from them regarding the amount, date of service, etc.? They should be stopped from exerting such high pressure tactics to try and scare me and my daughter into paying a debt we never heard of.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00}

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 2022-07-07
Company: Paypal Holdings, Inc
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a business loan using my TIN with XXXX. I was denied a credit an extension of my credit. I am the original creditor pursuant 15 USC 1601 ( TILA ) 1602 ( G ) ( I ) ( J ). I am a natural person or organization have an open ended consumer credit. 
Paypal will still collect money for running my TIN which is another violation pursuant 15 USC 1691 ( d ) Equal credit opportunity act also know as discrimination. 

Additionally, XXXX requested my credit card ( social security ) number administered to me by the Social Security Administration. However, it clearly states that if you are " Enter your Social Security number ( SSN ) if your business is a sole proprietorship or single-owner LLC without a Federal Tax ID ''. 

XXXX is being deceptive practices by trying to collect credit off of my TIN and Credit Card Number ( social security number. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: EQUIFAX, INC.
State: DC
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions 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:
Ive submitted disputes to XXXX regarding XXXX account also Ive sent out letters of debt validation to the creditor I have not received any responses also its reporting that I have XXXX late/missed payments on this account this derogatory remarks are causing me hardship in being approved for any kind of funding.

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 2023-07-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX Reported XX/XX/2023 XXXX XXXX XXXXXXXX XXXX Reported XX/XX/2023 XXXX Reported XX/XX/2023 XXXX Reported XX/XX/2023 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 DID NOT MAKE THESE HARD INQUIRIES. BY LAW YOU MUST REPORT CORRECTLY. EXPERIAN HAS DELETED THE FOLLOWING INFORMATION AND THIS SHOULD REFLECT ON TRANSUNION 'S REPORTING ALSO. 

XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Home Furnishing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX/XXXX Finance, personal Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX  Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/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 2020-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX Company Inquiries : 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 2022-12-31
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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Kikoff Inc.
State: CA
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:
Kickoff Lending LLC, appears on my credit report with a limit of {$500.00}, I never applied for credit through them, I have never receive correspondence from them in my name, I disputed this with XXXX, now they have reported a late payment. The phone number they have on file is a recording.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: IN
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: AMERICAN EXPRESS COMPANY
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:
This is my various 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMEX XXXX AMEX XXXX AMEX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute CenteXXXX XXXX XXXX  XXXX XXXX, PA XXXX Subject : Notice of Dispute Violation of FCRA Rights and Inquiry Investigation To Whom It Concerns, I am writing to dispute an inquiry on my credit report, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). The inquiry in question is from XXXX XXXX. 

Despite my previous communication with TransUnion regarding this matter, the inquiry has not been properly investigated, and I am requesting its removal from my credit report. 
The FCRA grants me certain rights as a consumer, which I want to remind you of : 1. Right to Accurate Information : The FCRA entitles me to have accurate and up-to-date information reported on my credit file. 
2. Right to Dispute : I have the right to dispute any inaccurate or incomplete information on my credit report.

3. Right to Investigation : The FCRA requires credit reporting agencies to conduct a reasonable investigation when I dispute any information on my credit report.

4. Right to Fair Credit Reporting : I have the right to fair and impartial treatment when it comes to my credit information. 
I firmly believe that TransUnion has not fulfilled its obligation to investigate the inquiry from XXXX  XXXX properly, which has led to incorrect information being present on my credit report. I request that you promptly remove this inquiry to rectify the violation of my FCRA rights. 
Please provide written confirmation once the inquiry is removed from my credit report, as well as any documentation supporting this action. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2022-07-07
Company: U.S. BANCORP
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: Credit inquiries on your report that you don't recognize

Complaint:
My vehicle was vandalized twice and on each occasion, personal information was stolen from my car. I have filed police reports and added extended fraud alerts on my credit by I continue receiving alerts that my information appeared on the dark web and/or inquiries appear on my credit report which I did not authorize. I have disputed this directly with the credit requestors along with XXXX but the inquiries have not been removed. 
The unauthorized inquirers are : XXXX XXXX XXXX on XX/XX/22 XXXX XXXX XXXX on XX/XX/22 XXXX XXXX on XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/22

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: WELLS FARGO & COMPANY
State: OH
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Unauthorized withdrawals or charges

Complaint:
i didn't give authorization for account. unsure how came about. dont recognize company

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 2022-12-31
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file 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

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