BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
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:
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 USC 1681 1. Account XXXX Account Balance {$300.00} 2. Account XXXX XXXX XXXX Account Balance {$300.00} Has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681C ( 2 ) ( 5 ) Sections states. No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items 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 to any consumer reporting agency if the person knows or has reasonable 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 2022-11-04
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am a Natural Person, I am a living Human Being, I have rights under 15 USC 1681 In accordance with the Fair Credit Reporting act. The List of incorrect addresses 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 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 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX 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 2023-05-06
Company: Experian Information Solutions 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:
XXXX has never sent me a bill or verification for this debt with the XXXX XXXX XXXX I do not agree to owing this debt. I would like the credit bureau to investigate and require XXXX to show proof that I owe this debt to them.

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 2023-08-14
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX XXXX XXXX This Consumer Note is my official call for you to discontinue reporting of the items above-displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claims ( XXXX ). 
This XXXX item is deficient as reported, as above-displayed in evidence of uncertified XXXX questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the XXXX XXXX XXXXT compliance since, per XXXX, XXXX  XXXX Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 
I wanted to inform all parties that in the last thirty ( XXXX ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a XXXX XXXX XXXX have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
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:
My insurance company alerted me that my credit score had gone down so they said to look into it, otherwise it could affect the cost of my car and home insurance. Always paying my bills on time including my insurance, a red flag went off, I always a near perfect score. So they got the report from XXXX XXXX and I started with them to find out what was going on. They gave me the report and there was numerous mistakes, including an address that never belonged to me, they even said there was a auto device on my car, recording how I drove. There was no such device on my car so how could anything be recorded. Best part my wife drives that car and it's hardly driven, yet they had a daily record of stoping braking.But the most harmful was a loan and a credit card in default for a long time and it was from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NY. XXXX. We never heard of this XXXX XXXX and wondered how it was on my report. I called them up and asked them what this was all about. They could not find anything under my name, or social security # as an account Also I gave them a partial acct. number # XXXX listed on the report and they said there was nothing, they couldn't find a loan or credit card at all. I called back XXXX XXXX and they were supposed to look into it. They sent me some of the things that were removed but nothing on that. So far they haven't done anything about it. Needless to say it also is on Experian and all the credit report Companies and none of them are removing it from my credit report. I even wrote the head of the XXXX XXXX, which they said to write to, and no answer back. Apparently someone used my name to open this account under to get a loan and a credit card, but why am I having on my report and no one knows why. 
I've argued with everyone to remove it because it is going to hurt everything I try to buy. 
Please help if you can, I don't know what to do anymore.

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 2023-02-05
Company: John C. Heath, Attorney at Law, PLLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
All the XXXX items have been removed by XXXX law. These accounts are from hospital in 2017. They have been sold multiple multiple times. I would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section : It also says states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company 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: CT
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 kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

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 2023-01-10
Company: Advance America, Cash Advance Centers, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
What language is being used regarding such XXXX? Is it XXXX XXXX, XXXX Manual of Styles or XXXX XXXX XXXX? 

In reference to claim number XXXX submitted to the consumer financial protection bureau provide proof the this company is in fact in the business of purchasing securities. Theres no such thing as finding lenders to give the Natural Living Man the credit that he deserves when hes who extends credit to corporations. Man has the security interest in the promissory note which is owed to him because Corporations are bankrupt under the emergency banking act and have been since 1933 and pursuant to 18 U.S.C. 8- debts are obligations that employees of the United States Corporation must discharge. Therefore theres no such thing as debt and its Natural Living Man who holds the credits. Theres no lawful money if so than the Corporations must compensate the Natural Living. Corporations have privileges which can only be granted by the Natural Living and Corporations can only deal with other Corporations. Thus why the All Capital Pseudonym was created by employees of a Private Corporations that handles non public information which is being passed around and used by way of the act of conversion which is not only illegal but does not benefit the Natural Living Man whos the beneficiary and number holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: VA
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:
FRCA Violation: address not mine
XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX


FCRA Violation: credit card never late
XXXX XXXX XXXX XXXX  
FCRA Violation: credit card never late
XXXX XXXX XXXX XXXX  
FCRA Violation: credit card not mine XXXX XXXX

FCRA Violation: student loans never late
XXXX XXXX

FCRA violation: collection not mine
Original creditor 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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 following accounts : XXXX. " XXXX XXXX XXXX '' Account Number # XXXX ( Original Creditor : XXXX XXXX ) XXXX. " XXXX  XXXX XXXX XXXX  Account Number # XXXX ( Original Creditor : 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 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 2023-05-06
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 want to notify the credit bureaus AGAIN that I was a victim of identity theft and that I would like these bogus items removed from my credit file as a result of the claimed identity theft. CREDIT BUREAUS is obligated by FCRA 605B ( 15 U.S.C. XXXX  ) to REMOVE any items specified in Identity Theft. HERE IS THE LIST OF ITEMS THAT I WANTED TO REMOVE AGAIN! 


XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2023-05-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 an 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 2017-04-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card
Issue: Other

Complaint:
Please see complaint for background : XXXX. This is still not resolved ; I am unable to find attachment CFPB tells me is bank 's response. Problem was 1 ) bank 's cancelling of my checking account with no warning for no reason other than I did n't comply with something I had complied with. Since then I accidentally learned checking account is open AND THEY ARE BILLING ME MONTHLY FOR EMPTY ACCT & gt ; X 6 MOS. ( wondering now, if they had to bury that account for some reason related to the XXXX XXXX subsequent thefts via ATM they did n't happen to notice. ) This, now, is the new complaint about the HSBC credit card # XXXX they canceled, which I earned about a few days after they canceled the checking account, causing me another ton of problems not limited to screwing up my credit reports and billing me 30 % PER MONTH NOW A SIGNIFICANT INCREASE!!! ( this is why I am currently late with payment because I want to resolve this first. ) BTW, just before HSBC cancelled all my accounts I was going to transfer my other cards to this card partly due to the good, previous, rate. 

HSBC should be penalized and I should be compensated for the troubles they 've caused me that it has taken e 6 months now to try to clear up. I am not a well person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, while looking over my credit report I noticed The following accounts, Addresses and inquires were opened/Listed fraudulently without my permission or authorization, I demand for them to be removed immediately by law- I also want this investigated and solved. 

Addresses i have never been associated with : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX Accounts that were opened fraudulently without my knowledge or permission : XXXX. XXXX XXXX Account number- XXXX Open date- XX/XX/XXXX XXXX. XXXX- original creditor- XXXX XXXX XXXX XXXX Account number-XXXX Open date- XXXX XXXX, XXXX Inquires that were created fraudulently on my credit report without my knowledge or permission : XXXX. XXXX XXXX Inquiry dateXXXX XX/XX/XXXX XXXX. XXXX XXXX- Inquiry dateXXXX XX/XX/XXXX XXXX. XXXX- inquiry date- XX/XX/XXXX XXXX. XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX- inquiry date- XX/XX/XXXX XXXX. XXXX XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX, XXXX XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX Inquiry date- XXXX XXXX, XXXX XXXX. XXXX XXXX XXXXXXXX Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date- XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX XXXX XXXX XXXX- Inquiry date- XXXX XXXX, XXXX XXXX XXXX XXXX- Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date- XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry date- XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry date- XX/XX/XXXXXXXX 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