BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, 2022 {$130.00} XXXX XXXX XXXX Reported : XXXX XXXX, 2022 {$950.00} XXXX XXXX XXXX Reported : XXXX XXXX, 2022 {$2000.00} I asked the credit bureaus to do an accurate investigation of the delinquencies on my account to ensure validity. The accounts are not accurate as they were not incurred by me. These are fraudulent accounts. I am requesting that they be removed immediately. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  violated my rights 1681c2. Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, 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 alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer.

( 2 ) a copy of an identity theft report.

( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft.

( 2 ) that an identity theft report has been filed.

( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

Also, 15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1684 Section 604 A Section 2 states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2023-09-08
Company: Consumer Portfolio Services, Inc.
State: KS
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:
provided a third party ( person ) with my personal and private information. According to 15 U.S. Code 6801, your establishment is to protect my privacy and not share any of my information with any third party ( person ). I was not provided with the necessary documentation you needed to provide to me to sign to grant your establishment to share my information with any third party ( person ). Those documents require three signatures from me, to grant your establishment to share my private and personal information with any third party ( person ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
To Whom It May Concern, I wanted my XXXX  n experian updated correctly idk if do to covid 19. I am an authorized user on following 3 cards which I will show pictures from XXXX  for some odd reason I been going around in circles to get my accurate credit score with this information on it. I am also on a XXXX card that hasnt reported. I been using to help a family member get there grocery 's and improve my credit same time using it and paying off each month. Any questions or problems please call me

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 2023-12-18
Company: EQUIFAX, 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:
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. 

INQUIRIES : XXXX : XXXX XXXX ( XX/XX/XXXXXXXX  ), XXXX XXXX  ( XX/XX/XXXXXXXX  ), XXXX XXXX XXXX ( XX/XX/XXXX ) EQUIFAX : XXXXXXXX XXXX  ( XX/XX/XXXXXXXX  ) XXXX : XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: CL Holdings LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
18 U.S.C 1028 was amended to make it a federal crime to knowingly commit, attempt to commit, or aid in committing identity theft. Since it's a federal crime, these type of cases are prosecuted in a United States District Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: WELLS FARGO & COMPANY
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:
In accordance with the Fair Credit Reporting Act, WELLS FARGO DEALER SERVICES ACCOUNT # XXXX has violated my rights.

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A - Section 2 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 an account that is under an open-ended consumer 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 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 have sent multiple disputes and complaints with all 3 credit bureaus and have gotten none of the issues resolved. My report has multiple accounts that are blatantly incorrect and I would like them fixed 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 2019-06-25
Company: Messerli & Kramer P.A.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I have recently received a Death Distribution from my deceased father placed in my XXXX Bank Account # XXXX on XX/XX/2019 in the amount of {$7800.00}. On XX/XX/2019 Messerli and Kramer collection agency levied my account in the amount of {$4500.00} plus {$120.00} Garnishment fee. I feel these funds should be exempt from any levy. I will also be contacting Attorney General and XXXX   XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Innovate Managed Holdings, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I refinanced my vehicle back in XX/XX/XXXX with this company and since then they have never reported to the credit bureaus. I called them back in XX/XX/XXXX and they said that they had just migrated to a new system and were trying to get accurate data and they would report to the credit bureaus within the following 6months from the date of my complaint. 1 year down the line and that has never happened. I contacted CFPB for assistance about 10 months ago and the company gave the same response but nothing has been reported. I called their customer care number in XX/XX/XXXX and the agent gave me the same response. I pressed him that that's the same info given to me almost 2yrs ago and he said that's all the response they have from the company. Come to find out that the company doesn't have an actual customer service department, but they have outsourced the service. They don't even have a physical address, just a XXXX XXXX XXXX which they don't even reply to letters when written to. This seems all sketchy and i'd greatly appreciate your assistance. They don't have a problem sending reminders about making my monthly payment to my email and text messages, but no other form of communication even when prompted. 

Atleast they can report to the bureaus since am trying to build my financial credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 fraud. I had some issues with fraudulent addresses appearing on my credit report. Someone has been using my ID and SS number to apply for account in my name. Please delete/remove the folowing addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX I have a numbers on my credit rreport that do not belong to me on my credit report please delete they are not mine numbers. ( 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 I have account that I have disputed already from 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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.

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 2023-08-20
Company: Experian Information Solutions Inc.
State: SC
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 changed my membership wioth esperian and now subscribe to free membership and since that point that have palyed havoc with my credit reports the lastest is the are reporting a closed account, which all my cards are receiving however they failed to note that the account was a car loan and paid in full on time and closed because the car is now paid off this shows as a negative against your account and they have controlled all my scores because I cancelled my membership they dropped my score by XXXX points because XXXX has now closed the account, however the account is closed because I noew own my car outright and this is not showing on my report When we paid off our mortage they droped our score by almost XXXX points this can not be legal

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: EQUIFAX, INC.
State: CT
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 have sent multiple disputes and complaints with all 3 credit bureaus and have gotten none of the issues resolved. My report has multiple accounts that are blatantly incorrect and I would like them fixed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act under 15 USC 1681, everything has to be 100 % accurate on my credit report. I specifically asked the Equifax, XXXX, and XXXX to " investigate '' these accounts to make sure EVERYTHING is 100 % accurate. Account : XXXX XXXX XXXX XXXX XXXX  They responded and said everything is 100 % accurate. THEY ARE COMPLETE LIARS. I have downloaded my most recent credit report and there are several inaccuracies, which means they didn't do a proper investigation as required per the FCRA. The high balance, date of last activity, date opened, are all reporting different numbers. How are they all reporting differently if they are getting their information from the same source!!!!!! 

Also the companies have violated my rights several times under 15 USC 1681. According to : 15 U.S.C 1681 Section 602 A : States I have the right to privacy. According to : 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Credit Plus Inc
State: MO
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:
On XX/XX/2020 there are 3 inquiries from XXXX XXXX and two from XXXX XXXX. 
These are ALL REgarding ONE refinance inquiry I made. I contacted XXXX XXXX of XXXX XXXX. After sending him documents FOR TWO WEEKS to look for a lender as he deals with wholesale mortgage lending. He informed me that he had no time to work with me and said he was handing me to XXXX XXXX to manage. This guy sits in a desk near XXXX and he said he would give him my file. 

WITHOUT INFORMING ME, he pulled my credit report. However, instead of reviewing my file carefully, XXXX XXXX made TWO MORE inquiries on my credit file. I NEVER was told the name of his company XXXX, he simply made 2 more inquiries!!!! Further, he stated that he must 'pull a report ' three times for each bureau! He lacks understanding of the process and I want two of those inquiries removed as they were not done with permission or consent. I have another mortgage lender I am working with and they received ALL 3 credit bureau reports in ONE 'pull ' or inquiry. 

Thank you for helping me get these removed. I did confirm with XXXX XXXX that he works 'under ' XXXX XXXX but that he has his company XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions 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:
This is not a duplicate complaint. 
This is the third complaint I have filed with Experian relating to a loan that was taken out fraudulently. Experian customer service representatives, more importantly, fraud special services, did nothing more than contact the US Department of Education and asked if this was my loan. They were told yes. This is all that they did with an investigation dealing with fraud. I was told the social security number must have been a mis-type, even after submitting a deposition and other supporting evidence which explained that the last number was changed. 
Not to mention no one took the time to read over the information provided. They asked for a police report, I submitted a deposition with the State Department of Texas, but apparently they are more concerned with semantics that actually taking the information into account. I was told they could not read what was uploaded, so I spent several hundred dollars sending copies of the same information through the mail. No one bothered to contact the school to ask for student records or identification of the student, because it would have clearly proven it was not me. 
I sent copies of my identification my social security card, address, etc, and none if that was considered. I do not believe they contacted the US DEPARTMENT of Education, bc if they did, they would not have been able to locate the information based off my social security number. I also do not understand how someone can apply to XXXX XXXX with out an actual social security card. 
This loan shows it is in good standing. 
It is current and it is being paid on time. 

How is it possible for Experian to put this on a credit report when it's twenty-three years old and has never been paid. 
How can Experian so grossly neglect the fact that the social security number does not match my social security number. How after so many years, can Experian just place an item on a report with out looking at the numerous discrepancies and not inquire about the situation. This was never listed on any credit report prior to last XXXX. 
I am uploading the letter from the Servicer of The Federal Perkins Loan. This is a letter that states it is not mine and that the credit reporting agencies would be contacted to have it removed. Experian, still has yet to remove the item.

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 2020-08-19
Company: EQUIFAX, INC.
State: AR
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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX/XXXX   XXXX {$0.00} XXXX XXXX {$28000.00} US DEP ED XXXX {$45000.00} US DEPT ED XXXX {$55000.00} XXXX XXXX {$4500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I on a fixed in and the loan amount is XXXX XXXX  I have been paying XXXX XXXX  every month for over a year and I still own them XXXX. The loan amount has not changed no matter how much I pay over this XXXX dollar amount, plus then my account was hack and I am trying to get that fixed I got a letter from them titlemax but that letter didnt keep my accounts from getting hack the hacker had all my information they got from them

Company response to consumer: Closed with explanation