BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-28
Company: Experian Information Solutions 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:
Under federal laws, Consumer Reporting Agencies shall only furnish information under verbal or written consent by a consumer. Reporting a consumer 's personal or financial information without prior consent is a violation of 15 U.S.C 1681 ( a ) ( 4 ) and is a violation of 18 U.S.C 1028A. While checking my most recent credit report. I noticed unauthorized and fraudulent credit inquiries made by the companies listed below, I did not authorize anyone employed by these companies to make any inquiries and view my credit report. In addition, I did not give you EXPERIAN permission to furnish this information onto my credit report. 

This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights Under federal laws, Consumer Reporting Agencies shall only furnish information under verbal or written consent by a consumer. Reporting a consumer 's personal or financial information without prior consent is a violation of 15 U.S.C 1681 ( a ) ( 4 ) and is a violation of 18 U.S.C 1028A. 15 U.S.C 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 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. 1681 S-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 CASUE TO BELIEVE THAT THE INFORMATION IS INACCURATE. 

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 2023-07-05
Company: Experian Information Solutions Inc.
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm XXXX XXXX XXXX. I no longer have debt, make no payments, do not have any credit cards. I use only XXXX debit card. I own my XXXX homes, XXXX cars, furniture and appliances. 

I want to make some minor home improvements. XXXX XXXX was asked by my contractor to open a loan for me to do the work. 

XXXX contacted Experian for a credit score. Experian said they have no file on me. 

XXXX denied the loan request. 

I can easily prove I have been a responsible debt payer ( utilities, healthcare, taxes etc ) for about 60 years. And previous had mortgage and car payments as well as XXXX credit cards. 

I want Experian to issue a Credit Score for 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 explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 MANY plea that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm contesting have nothing to do with any transactions I've carried out or given the go-ahead for in order to obtain goods, services, or money. Please take away the following THINGS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$1100.00}.

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 2023-07-24
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/2023 I sent out dispute letters to all credit bureaus : XXXX, Equifax, and XXXX. I have not received any update on the investigation. It has been 32 days since they were sent out and I have not received any updates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
Company: Bread Financial Holdings, 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 these creditors has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B A creditor may not treat a payment on my credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV Funding and XXXX has yet to remove an account from my credit reports. I am still recieving letters from LVNV Funding stating that the required verification documents have not been recieved when the infomation was mailed to LVNV Funding. The account has now been sold to another company after the debt has been disputed and reported as fraud. 
ACCOUNT XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
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:
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. 

1. XXXX XXXXXXXX XXXX  Account # XXXX has violated my rights. 
2. XXXX XXXX XXXX Account # XXXX has violated my rights. 
3. XXXX XXXX XXXX  XXXX Account # XXXX has violated my rights. 
4. XXXX XXXX XXXX Account # XXXX has violated my rights. 
5. XXXX XXXX XXXX Account # XXXX has violated my rights. 
6. XXXX XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : that 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 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 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violatio XXXX Account Number : XXXX Please remove it from my credit report. 
. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violatio XXXX XXXX XXXX  Account Number : XXXX As a consumer by law, this account must be deleted 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 2023-05-11
Company: EQUIFAX, INC.
State: NV
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 MANY plea that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm contesting have nothing to do with any transactions I've carried out or given the go-ahead for in order to obtain goods, services, or money. Please take away the following THINGS. 

XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
THE ACCT HAS CREDIT INSURANCE THEY PAID THE ACCT IN FULL BUT THE BANK ILLEGALLY CAHRGED OFF THE ACCT WHICH IS FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: VA
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 XXXX this complaint is not made in error neither is it being made by a XXXX 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 explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XXXX XXXX XXXX, but no answer was received. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
WXXXX 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 2022-04-20
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:
While viewing my Transunion report, I noticed that a bankruptcy of my consumer report which was obtained from The Public Access to Court Electronic Records ( PACER ) by you ( LCI ). Pacer, a service that provides electronic public access to federal court records. Pursuant to the reporting requirements, the reporting does not comply with FCRA, You violated my right to privacy by obtaining information regarding bankruptcy from pacer and furnishing my credit report. The Law Clearly states that, 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
You did not respect my right to privacy, nor treated me fairly. This has damaged my reputation and it makes it difficult for me to obtain credit. 
Also, I did not give you written permission to obtain and furnish my personal information to the consumer reporting agency.

( 15 U.S. Code 1681b - Permissible purposes of consumer reports : ( a ) IN GENERAL SUBJECT to sub
section ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give you written permission to provide any information for my consumer report.

Also, 15 U.S. Code 1681s2 - Responsib
ilities of furnishers of information to consumer reporting agencies ( 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 2018-05-03
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Two American Express accounts were opened fraudulently in my name 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX I have contacted American Express numerous times to get the information needed for the police report. Each time I call American Express, I am informed of different information and requirements needed to get the report. 

1st calls/conversations : The initial conversations I was told to mail in either a copy of a government-issued ID or a copy of the police report. I did this via USPS with a tracking number. 
2nd calls/conversations : When I called back to ask where this was in the process they informed me they had not received the document even though it clearly showed that it was received. The address was verified as correct. Additionally, I was informed that it must be BOTH the police report and copies of my ID and that since my original documents were lost that I could upload the documents to the website at www.americanexpress.com/XXXX. 

3rd calls/conversations : I had to call back again as I was not provided a reference number to upload the documents. In which I was informed that I could not upload them and that the must be mailed in. When I asked if my original document was received Ameican Express insisted the documents were never received even though they also verified the tracking number insisting it must have been delivered to someone else with all of my personal identifying information. Additionally, they informed me of a new requirement to submit a notarized affidavit along with all the other requirements. 

When I requested the instructions be provided in writing to prevent the continued miscommunication American Express has refused. They also have no resolution for the missing documents received verified via tracking. It seems it will be next to impossible to get American Express to assist in providing the fraudulent application information over to the detectives investigating. 

I have had this situation with one other credit card provider and none of the issues that I am having with American Express. I can not believe how uncooperative they would be in trying to help investigate a fraud case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
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:
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 these accounts. I have no knowledge of this and all is being investigated 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. Please delete these accounts : XXXX XXXX XXXXXXXX, 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 2022-04-20
Company: Experian Information Solutions 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: 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Type XXXX XXXX XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/2020 XX/XX/2020 Reference # : XXXX XXXX XXXX Closing Date : XX/XX/2020 Asset Amount : {$0.00} Court : US BKPT CT XXXX XXXX XXXX Federal U.S. Bankruptcy Court Liability : {$0.00} Exempt Amount : {$0.00} ) 15 USC 1681 section 602 A states i have the right to privacy. 15 USC 1681 section 604 A section 2 : it aslo states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 ( 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.

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 2022-08-26
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2100.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$270000.00}, and XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1100.00}.

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 2023-05-11
Company: BARCLAYS BANK DELAWARE
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Today, I got an alert from a credit monitoring service that the balance on a card went up, which is not too unusual as usage fluctuates on all my open cards obviously. This notification stuck out as it was for Barclays and I have no open accounts with them. 

I had the apple financing card through Barclays since XXXX, which was a XXXX XXXX. This was then converted into the Barclays view mastercard after XXXX cut ties with them a couple years ago. I closed the view card in XXXX of XXXX. 

I log into my online account and see a XXXX charge from XXXX on XX/XX/XXXX, I now had a statement and a payment due on an account I closed and paid in full. 

I call Barclays and tell them this is not legitimate and ask why on earth they let a charge go through XXXX XXXX  after the account was closed. They then tell me this charge was not only on the closed account, but it was on the XXXX XXXX number ( back before they moved me to the mastercard ). They can not answer why their system is set up to accept charges on closed accounts. They issued me a provisional credit while they " investigate '' the fraud claim. 

Barclays let a charge go through on a closed account ( not recently either ) from an old card number ( and different network entirely ) when I had " XXXX '' available credit ( according to their automated system. My credit reports also show this account is open again and has a balance, neither of which should have happened. 

I can not provide the CFPB with the account number as it has been closed XXXX years and I no longer have the card.

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