BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from 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 2021-08-09
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im a victim of identity fraud and theft. I do not owe this debt collection and I want to report that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Transunion : Please see the activity of my Transunion Credit Report, these inquiries were not authorized by myself. 
XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : 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 2016-09-22
Company: Richard J. Murphey, Attorney at Law
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
On Friday, XX/XX/2016 at my place of employment. A Law Firm which represented themselves as a XXXX XXXX XXXX came to my office and did the following. 

XXXX. A representative, showed up to my job and stated that they had a subpoena to serve me. 
XXXX. Became belligerent and threatened that they would put my business out if I did not show. 
XXXX. Used foul language to the staff and security guard when asked to leave. 
XXXX. Informed, staff, clients and security twice, shouting out in the lobby, the name of the company I owed and how much money I owed. 
XXXX. Left my personal information with my name, address, bank account information visible in a lobby for clients and co- workers to see. 
XXXX. Lied and stated he had a subpoena when in fact that he had a summons. 
XXXX. The summons had no court date and was filed illegally in XXXX XXXX which I do n't even live in. 

The process server, XXXX XXXX whom was sent by the debt collector was asked to leave the property or XXXX XXXX would be called. He stated " I do n't give a XXXX ' who you call. He was also informed by the receptionist that it was illegal to leave the documents out in the open and he stated, " I 'm not getting XXXX '' and left my personal information with my name, address, bank account information in the lobby. In addition, the subpoena that he stated he had was a summons that did not have a court date on it and was not filed in XXXX XXXX in which I lived. I was left embarrassed, my safety compromised and I am not sure who has my information. The long term effects of what he did will haunt and damage me forever. 

He had no right to threaten, use foul language, disclose my personal information or file a summons in XXXX XXXX in which I live. The summons is even questionable as there is no court hearing date listed on the summons. I am in the process of obtaining all witnesses involved as well as the video tape from the day of the incident.

Company response to consumer: Untimely response
Consumer complaint received 2021-08-09
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company LVNV Funding also Known as Resurgent Capital Services L.P. has been contacted several times for verification of the debt the claim I owe. I have sent several letters to try and resolve this alleged debt they claim I owe, and there has not been a resolution to this matter. Over the course of two years several letters that was sent to them had came back as undeliverable. A letter was sent out on XX/XX/2020 and was returned two weeks later as undeliverable. They are damaging my XXXX  credit report by incorrectly reporting I owe a debt in the amount of {$790.00}. There has never been any contractual agreement between myself and LVNV Funding. In addition, this alleged debt they claim I owe is past the statute of limitation in the State of New York.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-05-04
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an allege identity theft, not later that 4 business days after the date of receipt. it has been 30 days and your are in violation of this law because i am a victim of identity theft!!!! please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion to the accounts listed IMMEDIATELY!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19
Company: SYNCHRONY FINANCIAL
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: Investigation took more than 30 days

Complaint:
XXXX/ XXXX XXXX/XXXX  ... Has yet to give me results for a dispute over 30 days ago.. Nor has they responded to my letter asking why its over 30 days and I havent had any results

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-22
Company: Genesis FS Card Services, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Company mailed card to incorrect address after card was finally received have never been able to use the card due to fraud charges and company keep sending me a new card but has yet to remove the fraud charges also keep charging myself program and late fees for something I have never used

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is 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 items and update them immediately in my report : XXXX XXXX XXXX Date Opened XX/XX/2016 Balance {$0.00} and XXXX XXXX XXXX Date Opened XX/XX/2016 Balance {$270000.00}. Please update.

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 2017-03-27
Company: HOVG, LLC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I 'm filing a complaint against Bay Area Credit Service, a collection agency working on behalf of XXXX. Bay Area Credit is reporting negative information about a medical ambulance bill that was paid on XX/XX/2016. I have attached a copy of my receipt that was emailed to me directly from XXXX, so I 'm a little unsure why it was sold to the collection company in the 1st place. This negative information is damaging my credit worthiness & affecting my credit score. I 'm in the process of applying for a mortgage & this negative account is standing in the way of that goal. My ask is that this information is removed from my credit files ASAP & all further collection action & negative reporting cease. I work very hard to maintain my credit worthiness & I strive to pay all my bills on time. I 'm also requesting a letter ensuring that this debt is satisfied & will not EVER appear on my credits for all XXXX bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am applying for a mortgage and my lender advised me there were inquires on my account that I did not apply for which are the following : Remove the 3 inquiries from my Transunion : XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XXXX  | XX/XX/2023 Remove the 2 inquiries from my Experian : XXXX XXXX XXXX XXXX XXXX XXXX They need to be removed immediately I never applied for these and they never permissable 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 non-monetary relief
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that the same accounts was erroneous. The XXXX, XXXX and TransUnion credit Bureaus are required to reinvestigate these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please reinvestigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$2800.00}, XXXX XXXX XXXX XXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXX XXXX Balance : -

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 2017-04-07
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Winn Law group continues to pursue me on a debt that was charged off in XX/XX/2011.I have asked them to stop calling me & harassing me so now they have threatened to file a judgement against me and continue with collection efforts. I have let them know that California state law prohibits them from collection activity after 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Earnest Inc.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Why do you ( Earnest ) keep taking payments from my checking account without telling me when you will take them out of my account? It says my next payment isn't due until XX/XX/XXXX! I've taken a screenshot as proof. I know I signed up for biweekly payments, but you need to show those dates if you want me to have money in my account! I only have {$4.00} left in my checking account now because of you. Not cool. It's like you're making the payment process purposefully non-transparent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions 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:
Fraudulent accounts appearing on 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 non-monetary relief
Consumer complaint received 2019-09-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX  and Experian are incorrectly reporting a collection in the amount of {$16000.00} on the XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than the balance owed so consequently, there is not outstanding balance due and owing and therefore nothing to send to collections. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.

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 2023-06-07
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX, verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Account # : XXXX, TransUnion has been put on notice that my report contains inaccuracies multiple times in writing by me, a consumer.USPS CERTIFIED MAIL XXXX XXXX XXXX  XXXX is proof that TransUnion LLC received my notice on XX/XX/2022. TransUnion LLC that the continued reporting of this inaccurate information is a clear violation of the FCRA. 15 USC 1681a ( 4 ) Cleary states ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I am a consumer and as a consumer I have a right to privacy, according to 1681b permissible purpose. 
XXXX XXXX XXXX XXXX is a living man with blood running through his body and a free citizen of the state and the people of the several states are unconditionally sovereign within their respective states and must consent to be governed. I have never and I will never give any persons my consent to be governed. No court or persons have jurisdiction over me. I didnt give TransUnion or any person written authorization to furnish THE DIVISION OF CHILD SUPPORT EN on my consumer report. 

Furthermore, TransUnion LLC have failed to provide the method of validation as required under 15 USC1681i ( a ) ( 7 ).

More violations of my federally protected rights : 28 U.S. Code 1691 - Seal and Teste of process 15 U.S. Code 1692e - False or misleading representations 15 USC 1681 s-2 of your responsibilities as a furnisher of information. My rights are clearly being violated according to THE FAIR CREDIT REPORTING ACT. Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA TransUnion is required to ... promptly DELETE all information which can not be verified. 
Attached is my notice to TransUnion demanding deletion for lack proof of contract between me and furnisher and a notice from NYS SECRETARY OF STATE showing no lien is connected to my name in the state of New York. 

I am making complaints with the CFPB, FTC, XXXX  CA and IL state attorneys general and my consumer lawyer has been cc 'd in the most recent notice sent to your agency.

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 2023-01-26
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: Reporting company used your report improperly

Complaint:
My name is 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 2023-04-13
Company: Army and Air Force Exchange Service
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. 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 Fraudulent Accounts : XXXX XXXXXXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$68.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX 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