BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: MS
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 U.S.C 1681. 

XXXXXXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

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 consumer reporting agency can not furnish 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 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 2023-08-24
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:
TransUnion, Please see attached and below - I am unable to log into my account online. I have tried calling your phone number and you make it impossible to reach anyone with all your prompts that do not work. 

XXXX ) I want to be able to log into my TransUnion account online at XXXX  XXXX ) I want my TransUnion account to be a free account. 

XXXX ) I want full access to my account and be able to freeze or unfreeze it as I desire. 

As of right now - I am not able to login online. Please resolve as soon as possible. 

Attached are my drivers license, social security card, and address.

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 2022-12-26
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 is missing that should be on the report

Complaint:
I have asked the credit bureau to do a verification on my credit report. They did it and stated everything were accurate on them. However, i did a thorough research myself and find improper inaccuracies on my credit report even tough after they did, their verification. 
In accordance with the Fair Credit Reporting act XXXX  account # XXXX account # XXXX and account # XXXX, has violated my right. 

15 U.S.C 1681 602 A stated i have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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'm sending this dispute due to new evidence and Transunion has report incorrect information on my report. Upon to pull up my report from Transunion I found out several hard inquires that I NEVER AUTHORIZED. these items on my report are result of fraudulent activity. They must be removed from my report immediately. 
It should be noted that an inquiry that was not made by me is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
XXXX XXXX Auto Dealers XX/XX/2022 XXXX XXXX Auto Financing XX/XX/2022 XXXX XXXX Auto Financing XX/XX/2022 XXXX Auto Financing XX/XX/2022 XXXX Credit Unions XX/XX/2022 Please delete these hard inquiries from my report immediately. 
I have include next supportive document for this matter : copy of my SSN, ID, proof of address, copy of FTC report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: EQUIFAX, 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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: NJ
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 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 correction because they were reported incorrectly in my file. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 I was served with a Summons for a debt for an account that I believe is not mine. I had n prior notification or contact about this debt. Attorney XXXX : XXXX and XXXX XXXX XXXX  : Crown Asset Management , LLC. Original Debtor : XXXX XXXX for an account called " XXXX XXXX ''. Amount of debt : {$1300.00}. 
I was not contacted by anyone prior to being served the summons. I responded via mail to the attorney, disputing the debt was mine. In response I received via mail copies of 6 statements that had no identification ( no name, acct number, address, etc ). There were also 108 essentially blank pages. 
I responded in writing again, stating this was not my debt and pointed out there was no identifying information on the documents that were sent. The attorney responded in writing saying that the records had been photocopied incorrectly. He sent more copies of the records with a name and address. His letter then continued asking me to call him so negotiations could proceed to settle the debt. 
My XXXX letter that I sent to the attorney asked for a copy of a signed credit application to prove this was my debt. I also asked for the date of the Statue of Limitation. I received another set of the same paperwork, but nothing that I asked for. 
I am being taken to court On XX/XX/2022 over this. I can not find an attorney to represent me because the debt is so small. I am scared and find this whole process intimidating and humiliating. But more than that, how can any debt dealership company like Crown Asset Management be allowed by law to persecute people without evidence of any legally signed contracts?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
So my mom, whom I never communicate with called me and said that they threatened me on XX/XX/ She doesnt know what shes got coming her way, also called her on another on another occasion XX/XX/ on her business phone number and said If she doesnt give us a call back then we will sue. She was upset and hysterical. I dont know what credit these people are referring to because they refuse to send me proof. She told them both times to not call her but they kept calling anyway. They keep using scare tactics to collect on a debt and its very disrespectful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: FL
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'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 


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 response to consumer: In progress
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: In progress
Consumer complaint received 2023-07-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
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:
My personal information is incorrect.

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 2023-07-12
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:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2023-06-15
Company: Jim Bottin Enterprises, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX gym had a membership of of which I sent certified letter stating I was relocating and would not be close to a gym. They never accepted the certified letter. A few months ago a collection agency is attempting to exhort me for {$290.00} or damage my credit. They don't even have the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Fradkin & Weber PA
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX Fradkin & Weber PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fradkin & Weber PA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Case No : XXXX Case No : XXXX Subject : Claim of Proof Service re : Wage Garnishment This compliant is for both cases referenced above. 

Fradkin & Weber claimed a proof of service for debt and wage garnishment with XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sales. 

I have not been a resident of the address listed in the court records for several years and likely Fradkin & Weber have received the proof of service delivered back as undelivered, or unknown at that address- and have failed to inform the court of this fact. 

I still have mail forwarding on the address on the court record and know they have not sent any certificate of service to my person. 

I learned of this case was still being prosecuted when I got a certificate of compliance for Writ of Wage Garnishment via a mail forwarding with USPS. 

In addition, I am a resident of the XXXX XXXX XXXXXXXX, and Fradkin & Weber, PA, have not demonstrated any jurisdiction to collect on a Maryland Judgement on a resident of the XXXXXXXX XXXX XXXXXXXX, and under PA law are past any statue of limitations to file a new judgement in the XXXXXXXX XXXX XXXXXXXX courts. 

I believe Fradkin & Weber, PA, who has a history of violating the Maryland Collection Act, in stating a certificate of service was sent to the court of Maryland, has violated Maryland Code 14202 - false and misleading representations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX : XX/XX/XXXX todays date : XX/XX/XXXX RE : Investigation Request to Delete fraudulent account To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : 1. { Creditor Name } XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) { ac # } XXXX { Reason for Dispute } fraudulent/ not my account or debt INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX. { XXXX XXXX } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX  { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX  XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX  { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } cXXXX XXXX XXXX  { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX XXXX  { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXXXXXX XXXX  XXXX { inquiry date } XX/XX/XXXX I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I attempted to make a purchase for a vehicle. To my surprise, the dealer explained that I had an identity theft fraud status. He stated I would need to get rid of some things on my report. I purchased my consumer report and saw so many inaccuracies and damages on my report according to 15 USC 1681, which is a defamation of character & causing personal injury to my me and my family. I also was affected in the XXXX Data Breach. I have then applied for an identity theft PIN code, locked my SSN, sent letters multiple times, received no response within a 30 day time frame. I also filed a complaint with FTC.

Company response to consumer: In progress
Consumer complaint received 2022-12-27
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Account Names : XXXX XXXX, XXXX XXXX XXXX. 

Regarding the accounts above XXXX, TransUnion, and XXXX have violated my consumer rights. 
According to 18 USC 8, I do not owe any outstanding debt, and my consumer right to privacy has also been violated according to 15 USC 1681b ( 2 ). Furthermore, these consumer reporting agencies do not have permission to report anything without my written consent and by that, violate 15 USC 1681 ( 4 ). The stated consumer reporting agencies have failed to uphold the legal standard and have violated my rights as a consumer. 
I demand that XXXX, TransUnion, and XXXX provide proof of my written consent to report. If such documentation can not be furnished, I demand that the accounts stated above be removed immediately.

Company response to consumer: In progress
Consumer complaint received 2018-10-22
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX This problem that I am presenting in this office comes from the year XX/XX/XXXX and in XX/XX/XXXX bring to the court to the company XXXX XXXX by reporters a payment of bad faith that was not made and that indeed if it was done. This case I do not know how long it can last in court but I ask that my XXXX XXXX and my wife XXXX XXXX fix that account of the credit companies XXXX, XXXX and Equifax. Any question can call XXXX XXXX XXXX at any time.

Company response to consumer: Closed with explanation