BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: CA
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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-03-08
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:
This is my 4th attempt to get this matter resolved. I've submitted 3 previous complaints with the CFPB & you claim I'm submitting the information for someone else which is just ridiculous! The unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit ReportingAct, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : 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 2022-03-08
Company: Experian Information Solutions Inc.
State: VA
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 never gave any written consent to report anything on my consumer report. No consent is identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
These are not my accounts, addresses listed, name, nor did I authorize these companies to run my credit. Please remove them.

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 2023-09-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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 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 explanation
Consumer complaint received 2022-03-08
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: Credit inquiries on your report that you don't recognize

Complaint:
I dont recognize the inquiry thats on my credit report and XXXX XXXX I did not inquiries for new credit or loans onXX/XX/XXXXXXXX A company name 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: Experian Information Solutions Inc.
State: CA
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:
Ive tried several times disputing an account with Experian, a Bankruptcy that is being reported incorrectly. Lastly disputed this account in XXXX per Experians notification this account was verified via a third party vendor XXXX. Please see attached letter from XXXX, there is no bankruptcy being reported please delete and removed this information from my credit report as it is an incorrect representation of me. Thank you.

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 2022-03-08
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: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the account completely from my Credit Report : 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 2019-06-22
Company: General Motors Financial Company, Inc.
State: MS
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:
I purchased a new XXXX XX/XX/XXXX financed through GM Financial. In XX/XX/XXXX, my motor went out in the vehicle. The car was towed to XXXX dealership, and it was confirmed the motor was gone. I had around XXXX miles on the vehicle, and GM Financial would not replace the motor even though it was still under warranty. I told them they can pick up the car because there was no way I could pay for the car and get the motor replaced. GM Financial did not offer any assistance in the matter. Therefore, since the car was deemed as totaled, my insurance company paid a portion of the balance and thereafter the car was recovered. 
Around XX/XX/XXXX, the car was recovered by XXXX XXXX and charged off. However, XX/XX/XXXX, GM Financial is now reporting late payments on my credit report which is ruining my credit. How can the car be charged off and reporting late payments? I have not been in contact with XXXX XXXX the charge off. I have not any activity on this account none whatsoever. The account was closed charged off and date of last payment inaccurate and they would not delete I have read several articles with GM Financial using unethical practices. This is really emotionally disturbing and stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
By law, these inquiries are validating my rights by being reported to my credit report, they should be deleted immediately or legal action will be taken

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 2022-12-21
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt amount of {$8400.00} for XXXX XXXX XXXX Apartments is listed on my credit reports and the opening date is listed as XX/XX/2021. I have been residing at the same address for over XXXX years, and I am still in the same place. The company is not responding to my calls for information given to get into the apartment for verification of who used my information.

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 2020-04-14
Company: Experian Information Solutions Inc.
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Dear Investigator, Thank you for taking your time to help me resolve this problem. 
Background : Prior to XXXX XXXX - Contacted by fraudster claiming to be XXXX XXXX. They left a message, I did not return the phone call and contacted XXXX, they confirmed it was fraud, I took no further action. 
XX/XX/XXXX - I received a letter from XXXX XXXX  notifying me that a CC application had been submitted with my name and SSN. This was fraud. I contacted XXXX XXXX and they cancelled the request and suggested I call Experian and have a Fraud Alert placed on my credit report. I did as instructed. 
The Problem - There is not a person I was able to speak to at Experian. The automated system is unwieldy, confusing and unhelpful. No matter how hard I tried, I was unable to put a Fraud Alert on my credit report. Instead the automated system put a Freeze on my Credit. I do not want a Freeze on my credit. The automated system gave me pin number very rapidly and the signal broke up. I was unable to write down that number or even hear most of it. I was unable to get the automated system to repeat the number. Now my credit is frozen and I have no way to unfreeze it. 
The Damage - I am not longer a citizen with the right to finance a car, home, education, or short term loan for emergencies or entrepreneurial opportunity. The damage that I have experienced is significant and I see no way to rectify this for the rest of my life if I can not speak to a person at Experian. The credit reporting agencies should be required to have personnel available to answer the phone so that the agencies do not strip citizens of their right to have credit with no fault of the citizen.

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
strongly urge you to eliminate this account from my credit report as it is not associated with me, and I'm sincerely disheartened by its inclusion. I implore the company to expedite its removal from my credit history.

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Yes I have incorrect information reporting on my credit due to identity theft and fraud this has ruined my life and I will like for it to be removed. I spoken with several reps from XXXX about unauthorized and fraudulent collections on my consumer report. Under 15 USC 1681 ( a ) ( 3 ) XXXX assumed this role without permission nor my consent, also XXXX did not respect my rights to privacy which is under 15 USC 1 [ ... ]

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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy 15USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
on numerous occasions i have contacted the credit bureaus to remove information that is not accurate on my credit file XXXX XXXX has violated my rights multiple times by reporting such information XXXX15U.S.C 1681 section 602 A. States I have the right to privacy. -15 U.S.C 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions -15 U.S.C 1681 c. ( 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. every time i tell them to delete the information and advise them of the rights and laws they are breaking. i will file a lawsuit if they do not delete the account below account- XXXX XXXX XXXX -acct # XXXX XXXX XXXX - acct # 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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have gone back and forth with Transunion about an account reporting on my Credit Report from XXXX XXXX Acct # XXXX in the amount of {$780.00}. I have given documentation and spoke to them and informed them that im not only a Identity Theft victim but a victim of XXXX XXXX forced to do things that i did not want to and beaten when i did not comply. Transunion has taken no consideration into my circumstances, nor do they care in anyway about their customers. They are still reporting a debt that is not mine, and ignoring all laws put in place by the government and FRCA that were put in place to protect survivors of XXXX  XXXX and abuse. They also ignored police and FTC reports claiming that i am a lier. They also have not provided me with any documentation on how they verified the debt was accurate and belongs to me after i submitted multiple method of verification letters certified so i know they recieved them. They have refused to do anything about the fraudulent debt. I am now a single mother who is trying to move forward with my XXXX children in light of what happened to me in the past. Yet XXXX  XXXX in not only a horrible company. They do not care these issues impacting women and victim 's of 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 2022-11-01
Company: EQUIFAX, INC.
State: MN
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 repeatedly submitted complaints and disputes with Equifax. I have submitted the necessary documents for my complaints and disputes. The response was the the information was " deleted '' this is FALSE. THE COMPANY HAS LIED. This has been going on for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
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: Credit inquiries on your report that you don't recognize

Complaint:
I XXXX XXXX have some fraudulent inquiries appearing on my credit 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 explanation
Consumer complaint received 2022-11-01
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:
I am disputing all inaccuracies on my credit report with Experian.

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 2023-08-23
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Payment Info transaction on XXXX as of follows : Amount : {$350.00} Recipient 's info ( scammer ) : XXXX XXXX XXXX XXXX On XX/XX/2023, I immediately called US bank representative to file for a claim for a funds transfer that posted to my account ending in XXXX. This is regarding about me being scammed by someone paying through XXXX. And on XX/XX/2023, they already made a decision that my claim was denied without waiting for me to send enough proofs. 

I already got scammed {$350.00} and I believe that this is already considered under the category as sending money to an individual or business to purchase goods that are not received or arrived not as described, or for services that are not provided. This can include fees which are not refunded when a consumer requests a refund for the item or service. I will provide you enough proofs and evidence that I really got scammed. 

I recently filed a claim regarding me being scammed upon purchasing ticket from someone who seems a legit seller on social media. She claimed and gave me enough proofs that her tickets are legit. I stalked to her XXXX account and it seems like she is the type of person who don't fool people. 

I sent her {$350.00} through XXXX as she promised that once I sent her the money, she will give me the tickets. But it has been an hour of waiting she hasn't send me the ticket yet and even asked me to add {$100.00} for her to send it. But at that moment I already suspected that something is wrong so I was already asking for the money back but she already blocked me. 

Please help me. My claim shouldn't be denied like this. XXXX XXXX  even said that I should report this to my bank institution which is US Bank that's why I am still reaching out to you.

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