BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-08
Company: Experian Information Solutions 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:
This is reported with inaccuracies. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence I found improper inaccuracies remained as derogatory on my reports. They did not provide proof that this account was ever late. The 3 credit bureaus did an improper investigation.

According to the Fair Credit Report Act Account # XXXX .... violated my rights - 15 USC Section 6028 States that I have a right to privacy. 15 USC 111681 Section 0 604 Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 

Account name XXXX XXXXXXXX XXXX  XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status XXXX through Bankruptcy XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX Type Deposit Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$98.00} High balance XXXX XXXX Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 
Account history 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 Payment history guide Charge Off as of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/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
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In my previous letter, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  CA, XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Bankruptcy XXXX  XXXX Date Filed XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} Bankruptcy XXXX XXXX Date Filed XX/XX/XXXX Reference # : 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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 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 2020-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The problem is with Transunion. I have already successfully placed security freezes on my record with XXXX  and XXXX. The process at those two companies was seamless and easy. Transunion has made the process difficult. I'm doing this over the phone because I DO NOT WANT TO HAVE TO CREATE YET ANOTHER ONLINE ACCOUNT! First, I couldn't complete my freeze with Transunion on XX/XX/20 ( yes, XXXX XXXX holiday when I had some extra time ) because they said their office was closed. But it was an automated phone system -- why does it matter if their office is closed? It worked fine on the holiday with the other two companies. Second, when I called back on a work day, I put in all the required information and they still made me wait on hold to " talk to a company representative. '' When I finally reached an actual person, the first thing they did was ask for my SSN. I'm not comfortable giving this information to an individual person. I want to do it on the automated system. But every time I try to place my security freeze with Transunion, they funnel me to a person whose main interest is in selling me services. Please crack down on this behavior and require Transunion to make the process of freezing one 's credit easy, automated and SECURE!

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 2022-07-08
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 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 2022-07-08
Company: EQUIFAX, INC.
State: SC
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 went through a bankruptcy in 2019. The majority of all debt was immediately removed from my credit report, except for a few. These few still show up on my credit reports as delinquent or paid late, even though they were never paid late up until the bankruptcy. Regardless, they are listed as " negative '' on my credit report and have a severe impact on my credit history, in addition to fixing my credit after a bankruptcy due to family medical bills. The credit bureaus refuse to remove the information, even though they should no longer be on my credit report after the bankruptcy went through 3-years ago. They should have been removed after the bankruptcy was complete, just like the other debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX on report is showing I'm delinquent 30 days which is incorrect. XXXX has stated I'm not 30 days delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Rent Recovery Solutions
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I performed a XXXX credit check on XX/XX/2022 and noticed a collection entry from Rent Recovery Solutions dated XX/XX/2022 in the amount of {$7400.00}. I was never contacted by Rent Recovery Solutions prior to the entry on XX/XX/2022 and given an opportunity to dispute this charge. After reviewing the phone number listed in the collection entry on the credit file I did a search on my phone and discovered a couple of attempted calls in the later part of XX/XX/2022 but nothing prior to the entry on XX/XX/2022. Additionally, I have not received any mail correspondence from Rent Recovery Solutions before or after XX/XX/2022. It is my understanding that collection agency 's have a responsibility to verify the debt and give the alleged debtor an opportunity to dispute the charge prior to slandering someone's credit file. 

I strongly dispute this charge as there is an application on file with the state of Texas to pay the rent for this situation due to Covid-19 related issues that the original creditor is well aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: Viking Client Services
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I rented a car with XXXX in XXXX FL airport. ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ) Rental agreement XXXX Confirmation No. XXXX. 
It was a XXXX XXXX  XXXX XXXX. Paid with VISA. XXXX XXXX No. XXXX with 24335 miles. At that time I only received the contract ( included ) but nobody walk with us around the car to check for damages and I did not see any, nor I received a template with the car and damages if there were any. I returned the car on the XX/XX/XXXX at XXXX XXXX  at the same location. An employee greeted me, walked around the car like checking it and asked if I wanted a driver to take me to the airline departure door. I was pleased because my son was just released from the hospital and he wasnt feeling well. I sat in the passenger seat and the employee-driver transported us to the XXXX  terminal in the same car. He opened the trunk and proceeded to unload our luggage. Gave him a tip and he left. One month later I received a call from XXXX  XXXX XXXX   : XXXX informing that I was responsible to pay XXXX $ for damages caused to the vehicle I rented with XXXX   while in my possession a d that I should send the check to XXXX   XXXX XXXX. I was surprised because I did not even see the damage nor I was contacted by XXXX  to informed me of this problem. I said I was not going to pay unless they sent me a prove that the car was in my possession when the damage happen and no after the employee returned the car to their office. This driver could have seen the damage when he opened the trunk to retrieve my luggage. He never said there was any damage in the car. Included is the claim from XXXX  XXXX, XXXX XXXX, Claims Recovery Assistant. I never received a claim from XXXX. They sent me the bill and a picture of the damage. 
I will appreciate very much if you can guide me in what to do with this claim since I think is not how the rental companies should operate. Who can assure me that it was their employee returning the car to their office who damaged the car. 
Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I already disputed this account ( XXXX XXXX XXXX XXXX XXXX ) and filed a complaint thru FTC last XX/XX/2021 with Ref # XXXX and it was deleted from my credit reports as a fraudulent account. However, when I got my monthly updated credit reports today XX/XX/2021, a newly added account appeared in my reports under the same name ( XXXX XXXX XXXX XXXX ) & account number XXXX & is reporting negative. I've attached a copy of my credit report summary showing that it has been deleted and was added back again. I want this to be removed as it is very illegal to add on removed fraudulent accounts. I have contacted them before to demand validation of the said account and have it closed but I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again.

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 2023-02-23
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 requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

UTILITY SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/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 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 2020-12-19
Company: EQUIFAX, INC.
State: FL
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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX, FL XXXX I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: CA
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 my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$1000.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XX/XX/XXXX XXXX X XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
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: Investigation took more than 30 days

Complaint:
I sent in paperwork containing undisputed and overwhelming evidence about a late payment that XXXX XXXX XXXX XXXX  that is illegally and inaccurately being reported to my credit profile. Its been well over 30 days and Ive yet to receive confirmation that it has been deleted and have monitored my credit profile and it is still being reported falsely. I sent in a certified packet through USPS that I put a lot of work into and have been left in the dark. Im very disappointed.

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 2022-08-10
Company: EQUIFAX, INC.
State: IL
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:
on XX/XX/XXXX I notified Equifax that there are unauthorized and unverifiable information being reported to my consumer report, Pursuant

to 15 USC 1681 ( a ) ( 3 ) I have to give Equifax written consent to furnish a report on my behalf I never gave them written consent so, my consumer right to privacy has been infringed upon pursuant to 15 USC 1681 ( a ) ( 4 ). In light of the recent investigations brought upon Equi
fax Ive found that my consumer file has been tampered with. Equifax have not exercised their grave responsibilities and fairness with my consumer report according to the FCRA. The XXXX  data breach has affected me as well as, the recent revelation that Equifax has damaged millions of consumer reports by sending erroneous scores. Equifax is continuous reporting unverified accounts on my consumer report. For the past 2 year I have made several attempts to remind Equifax of their duty to uphold the law pursuant to 15 USC 1681 my most recent was XX/XX/XXXX, and they did nothing but ignored my disputes and requests. I have sent Equifax Certified documents under the penalties of perjury to support my claims. Equifax has committed upon my basic consumer rights. Equifax is continuing to ruin my reputation pursuant to 15 USC 1681 ( a ) ( 2 ). Credit Reporting is voluntary and always has been according to the FCRA.

Company response to consumer: Closed with explanation