BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
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.

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.

I have been disputing for 6 months and this company has broken several FCRA violations. This company has sent STALL LETTER AFTER STALL LETTER AND OFTEN JUST IGNORED DISPUTES! Instead of addressing the actual problem which is another FCRA violation. I will be filing an additional compliant with the XXXX  and XXXX! The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the SEVERE financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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.

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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts. 


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 non-monetary relief
Consumer complaint received 2023-07-17
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress  and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Since XX/XX/2023 I was trying to remove the fraud alert from Equifax, after calling 3 times and providing the copy of my DL and SSN by Fax they still saying that there are nothing on my credit. After reading dozens of reviews about Equifax and people with the same issue I decided to file a complaint in order to get my credit lock from Equifax. They are hurting my credit score and also blocking me to apply for a new var loan. 
Please I need resolved as soon as possible. 
Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX 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 2020-08-01
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received in the mail a US Bank ReliaCard Debit card in the mail. Never solicited for it. I called the phone number and discovered its for unemployment insurance payment. I called XXXX to have the card deactivated. I was on hold for 2 hrs before reaching an agent XXXX located in XXXX, Florida. I advised I never filed a claim for unemployment. She deactivated the card, she advised she will mail me paperwork showing the card is deactivated. XXXX advised me to file a Police Report, file a complaint with the Federal Trade Commission, file reports of fraud with the 3 credit bureau 's and call the Colorado Unemployment and get the case closed on my name. I have a very unusual last name XXXX. I'm the only one in Colorado!! I will do some of this today and the rest I will have to do on Monday with phone calls. 
I called the XXXX County Sheriff 's Department to file a Police Report it is CT XXXX with Officer XXXX Badge # XXXX. He informed me that these people can be anywhere and to file a report with this agency as well. 
I did not activate the card, I refused to give the last 4 digits or confirm my phone number. The card was never activated. I am a Federal Worker for USPS, I know there was a breach a few years back on our information. I will be enrolling in XXXX as well for my protection.

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 2023-12-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX, a 1099-A was filed with I.R.S. for this particular account. It was never credited to the account. As a result they are reporting an inaccurate amount that is owed on the account. Also, they are reporting that this account has a 90 days past due, which is inaccurate as well. I have since settled the account with a money order and a certified tender of payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12
Company: Direct Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
A company identifying themselves as XXXX XXXX XXXX XXXX called my cell phone XXXX at XXXX XXXX XXXX XXXX. The automated dialer asked if I was XXXX XXXX to press one and I think it said disregard call if not, this is an illegal non-compliant TCPA call that was made to my cell phone. I pressed one to tell them its a wrong number. 

The male agent was immediately defensive about me asking for the company name as if he didn't want to give it, he stated he didn't call me that the automated dialer did, I advised that was a problem, he was speaking over me and very unprofessional, he refused to give me an address to send correspondence to and hung up on me. I called back and the same thing happen again with a male agent I think the same one, again refused to give me an address for correspondence, I was online and asked if he was associated with the MN location and he said no XXXX, GA and was extremely unprofessional, said he didn't have anyone in their Compliance or Legal department and hung up on me again. 

They acted so deceptive and unprofessional that I felt an obligation to report them. I was going to mail them correspondence to not contact me anymore just in case verbal wasn't enough but instead ended up wasting time while I'm working to get an address from someone who called my cell phone for the wrong person. This company is clearly not living up to what they say on their website and I quote " We practice our PhD, or " Preserving Human Dignity, '' philosophy when talking to clients ... we will collect money while maintaining mutual respect. '' On the third call I reached a Mrs. XXXX who accidentally hung up on me, I called right back and she answered and gave me all of the requested address information. XXXX XXXX XXXX XXXX XXXX, MN 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 2023-11-21
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit score was XXXX last month now its XXXX, don't understand why it went down. I was told don't close out your account, or it will automatically fall off. I been working hard to keep my credit score up. Rooms to Go and TJ Max has not favored me, because I've closed that account out, Please help me.

Company response to consumer: In progress
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/information below : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10
Company: First Data Corporation
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX, I tried to use my debt card to purchase items at a store that uses Tele Check Services, I was turned down and was then given a code as the reason I was turned down and to get in contact with Tele Check services. I called their number XXXX, I was immediately asked for my Bank Account Drivers License Number I refused, ( I felt this to be entrapment and illegal ) My identity has been stolen. I have good credit after spending money to safe guard it, I wanted to know what was in their files on me that may hurt me again. Heck Their Parent Company XXXX XXXX ( which brought out First Data /Tele Check in XXXX of XXXX ) had a breach of their own computer Security software last year in XXXX.Now knowing this I'm suppose to just trust them with my personal information, I was then told my credit was going to be affected if I didn't comply. " this was black mail '' I filed a Small Claim against them, On XX/XX/XXXX in the District of XXXX on Superior Court (  Small Claims Court, suing for {$10000.00} ) well they hired a Law firm against ( Little ole me ) and they've stated that I brought up an article published back in XXXX from Consumer Protections web-site stating that they were fined back then in the amount of {$3.00} Million for violating the consumer protection laws, that this case belongs in District Court here in the District of XXXX  because this case was similar and was filed in the wrong Court, and should be heard in the District Court of Washington DC and while doing so they also filed for notice of removal! I'm not a lawyer!! But why are they so scared " maybe because their still up to their old tricks. The case number is XXXX with Judge XXXX they want a response by XX/XX/XXXX, In District Court of Washington, D.C. They're afraid you may come after them 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 2023-01-11
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:
I've submitted this complaint several times & CFPB & XXXX & TRANSUNION are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm beyond annoyed. This account listed below were opened due to identity theft. I've provided you ( CFPB ) & XXXX TRANSUNION with an affidavit & FTC fraudulent report to support my position. It seems XXXX TRANSUNION are violating FCRA sections XXXX, XXXX & XXXX. They have provided XXXX VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. I'd like this account blocked or removed based on XXXX. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told me I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the account removed/blocked per XXXX with the attached documents again ... Thanks XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$720.00}

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 2018-03-21
Company: AR Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2017 AR Resources Inc. placed an account for the amount of { {$960.00} } and ( {$1400.00} ) on my credit report in violation of the Fair Credit Reporting Act. AR Resources failed to notify me and provide adequate documentation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account AR Resources is attempting to collect on. Furthermore, this dept. appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA. 

Also on XX/XX/2017 AR Resources Inc. placed an account for the amount of { {$1400.00} } on my credit report in violation of the Fair Credit Reporting Act. AR Resources failed to notify me and provide adequate documentation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account AR Resources is  attempting to collect on. Furthermore, this dept. appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: TX
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:
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 XXXX5 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 2019-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I am actively serving in the United States XXXX XXXX and am looking to use my VA benefits this year to purchase my first home with my husband. Upon review of my credit report, I noticed a 60 to 90-day late payment on my student loan ending in XXXX in XX/XX/2018. However, per review of my XXXX account : I made a forbearance payment XX/XX/2018. If forbearance covers me for 30 days, why is it that I was reported 60 to 90 days late on my credit report in XX/XX/2018? Please see attached. 

I monitor my account closely so based on this information, my account was current.

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