BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX and I am submitting this complaint on behalf of myself. I constantly check my credit report and noticed that the errors and false and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me tremendously and held me back for quite some time now. I am demanding the CFPB to enforce the correction and/or deletion of these items.

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 2018-07-31
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Hello, On the XXXX of XXXX, a default Judgement was filed against me at a courthouse in XXXX, IL. First, I've had no prior communication with this company and did not know who they were until I received two letters in the mail. 2. I went to the courthouse to find out what the matter was about and they told me that I was sued for a debt. 3. This debt has been discharged by the company. 4. They lied on the court documents pertaining to " service. '' They said that they did a substitute service where they gave the documents to my mother who told the " server '' that she would give me the documents when I get home from work. That is a lie. My mother has been XXXX for nearly 10 years now and I do not work because I've had XXXX and can not work. This debt does not show on my credit report and I was told by two agents who told me that I had a XXXX  balance. 

Another concern that I have is that Midland XXXX XXXX has been sued by several states because of their behavior ( s ). There are thousands of complaints against them online and yet, they remain in business. They shouldn't be allowed to break the law to take advantage of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I used a balance transfer offer that had to be posted by XX/XX/XXXX. I deposited it in my checking ( {$7100.00} ) ( XXXX XXXX ) XX/XX/XXXX. XXXX XXXX says Fifth Third was notified on Monday ( XX/XX/XXXX ) and Tuesday ( XX/XX/XXXX ) that the balance transfer check was deposited. Fifth Third acts like they received nothing. I feel it is their intention to stall it off till XX/XX/XXXX. At that time they could get out of the deal AND charge me {$240.00} transfer fee for a 21 % cash advance. The " customer service '' operator at Fifth Third said that sometimes it may take 2 weeks for confirmation. Ridiculous, it is not XX/XX/XXXX!!.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 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 2018-04-16
Company: Experian Information Solutions Inc.
State: MN
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 XXXX XXXX Sold my collection to XXXX XXXX whom which i paid in full XXXX XXXX XXXX is reporting on my credit report a Balance of {$590.00} i would like for this to be remove from my credit report immediatly.

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 2020-11-13
Company: CCS Financial Services, Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been receiving letters for debts that I do not owe that come from identity theft. I have file an identity theft report and sent it t all the credit bureaus. Credit collection Services sent me a letter for a debt that does not belong to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to formally dispute inaccurate information that has been reported on my credit report. I recently obtained a copy of my Equifax credit report and discovered an entry that pertains to an account with XXXX XXXX. I would like to bring to your attention that this account is fraudulent and has been inaccurately reported on my credit profile. 

Upon further investigation, it has come to my attention that XXXX XXXX is not registered with the XXXX XXXX XXXX XXXX XXXX XXXX  or any state entity, which raises concerns about the legitimacy of the reported account. Given this, I am inclined to believe that this account is the result of identity theft or some form of fraudulent activity as I have previously reported. 

I request your immediate assistance in rectifying this situation. 
It is deeply concerning to me that inaccurate information has found its way onto my credit report and was able to go unnoticed for such a period of time, potentially affecting my financial standing. I trust that Equifax and CFPB will handle this matter with the urgency and professionalism it deserves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 Account # XXXX, XXXX, {$4400.00}, Bankruptcy reference # XXXX has violated my rights. 

I also want these names and addresses deleted XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX 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 I had written to the company ( MCM ) and the bureaus on numerous occasions but to no avail have they complied with the FCRA and provided me with the proper information.

I also have written to the bankruptcy court and they sent a letter stating that they don't report to the bureaus and I sent the letter to all three bureaus and they still are reporting on my reports

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 2020-06-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Someone got my XXXX XXXX card and used it, Ive been trying for a very long time to Disput this  account, which they had removed the negative items from my credit report and then put it back, this is very unfair to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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: 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 ACCOUNT # XXXX OPENED XXXX XXXX  {$300.00} PHONE # ( XXXX ) XXXXXXXX XXXX  : ACCOUNT # XXXX OPENED XXXX XXXX {$250.00} ) XXXX : ACCOUNT # XXXX OPENED XXXX XXXX {$300.00} XXXXXXXX XXXX  : ACCOUNT # XXXX OPENED XXXX XXXX {$1500.00} XXXXXXXX XXXX XXXX ACCOUNT # XXXX OPENED XXXX XXXX  {$6000.00} XXXX XXXXXXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX  XXXX XXXX {$710.00} XXXX XXXX XXXX # XXXX OPENED XXXXXXXX XXXX {$700.00} XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX {$500.00} 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 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 2023-09-09
Company: Experian Information Solutions Inc.
State: TN
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:
Experian continues to report on my credit report the XXXX XXXX accounts # XXXX and # XXXX even though I have provided them with evidence both verbally, via telephone, and in writing that the XXXX XXXX XXXX Department investigated these accounts and found that they were opened fraudulently and without my authorization. An XX/XX/XXXX letter from XXXX XXXX ( attached ) states that they have informed Experian to remove these accounts from my credit report due to this fraudulent activity. Unfortunately, Experian continues to list these accounts 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 2023-07-08
Company: Experian Information Solutions Inc.
State: TN
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 XXXX XXXX XXXX. 


Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 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 2022-07-22
Company: EQUIFAX, INC.
State: DC
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  Account # 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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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  Account # 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 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 2023-09-26
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: LendingUSA
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Was approved for a loan, but didn't receive money

Complaint:
They keep reversing transactions for payments I made then had me go purchase gift cards for the " small loans they gave me '' but the money was never a loan to begin with, which I found out later. They promised to reverse all of the money but their " server went down '' and I never received the money back nor did I receive the loan. I have all of the gift cards and receipts for the money sent them. I did contact XXXX  ( one of the places I purchased gift cards from ) but was told I was out of luck.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Chime Financial Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
This has been ongoing issue. Since XXXX XXXX i found out the merchant refunded XXXX back to my bank with chime bank but that money never came back to my account. When i created a dispute about this i was denied XX/XX/XXXX regarding t

his. So right now i need to know why are they illegally witholding my money, when they got it back as a chargeback. Chime needs to return my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: NC
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-04
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report. Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed below. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Bread Financial 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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
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 account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX : Account number : XXXX, Dept Of ED/XXXX XXXXXXXX : Account Number : XXXX, XXXX XXXX XXXX Account number : XXXX 15 USC 1681 section 602 A. states I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC 1681c . ( a ) ( 5 ) Section States : no consumer reporting agency may make any cinsumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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 resonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21
Company: National Credit Systems,Inc.
State: NC
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 a victim of identity theft. I have contacted this company XXXXXXXX XXXX  XXXX XXXX ) now in collections with ( NATIONAL CREDIT SYSTEM ) numerous of times back and forth with all three credit bureaus about these accounts and got the run around. NATIONAL CREDIT SYSTEM only told me, " Well its in your name and you have to pay for it ''. I explain to them it was fraud nut they wasn't trying to hear that. I provided documents to prove that this isn't my account over and over and again nothing. I feel like my accounts wasn't properly investigated. They also stated that this account was created online as well. Nothing has been done XXXX XXXX XXXX XXXX will not remove the account as well.

Company response to consumer: Closed with explanation