BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-13
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. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681. Account name : Dept of EdXXXX XXXX XXXX Account # XXXX, 15 U.S.C 1681 Section 602A. States i have the right to privacy 15 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c Section ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following item 's 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have XXXX hospital bills on my credit report, which stated I went to the hospital in 2021. I have XXXX insurance and I didn't go to the hospital last year. XXXX of the XXXX 's are exactly the same. The hospital sold the bill to XXXX different collectors. When I tried to bring this to Experian attention 2 days later I received a email stating the bill will remain. Experian too is NOT to trusted. I sent information from the hospital stating I haven't been there for the year 2021. I have a letter from the administration stating I have no bill. I asked each creditor to send me a print out of the original bill, I have never received anything from either creditor. Very disappointed at Experian. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX and XXXX XXXX are the same bill.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: NC
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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to dispute the account referenced XXXX XXXX XXXX  XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FCRA, I have contacted the creditor myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the creditor as well as the credit reporting agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt. Stop reporting this information on my credit report for failure to legally verify. Please see the attached letters which are dated and time stamped.

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 2022-05-14
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 XXXX  Account # XXXX and # 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 non-monetary relief
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: VA
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 appears that my my credit file has been compromised. Again, I was going through my records & noticed this account which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block this account which is found to be fraud due to identity theft. The dispute account do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove this account. XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: IL
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 this isn't any influence and this is not a third party. XXXX 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 719XXXX  has me at a score around 590. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed 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 2023-09-26
Company: EQUIFAX, INC.
State: NV
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:
I hereby formally request the expeditious removal of inaccurate and unauthorized information linked to identity theft from my credit report, in accordance with the Federal Trade Commission 's identity theft laws, which mandate removal within a four-day timeframe. Additionally, I request the prompt updating of my personal information. 

Account : XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: EQUIFAX, 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. 

Account name : XXXX Account # XXXX, Account name : XXXX Account # XXXX, Account name : XXXX Account # XXXX, Account name : XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX Account # XXXX.Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX Account # XXXX, Account name : XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account # XXXX , Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX Account # XXXX, Account name : XXXX Account # XXXX, Account name : XXXX 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 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 non-monetary relief
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX ), XXXX XXXX ( Account Number XXXX, Open Date XXXX XXXX, XXXX, Balance : {$1000.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-02-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2022-05-14
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:
Incorrect payment history reported, In accordance with the fair credit Reporting act 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 2 : It also 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 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 2023-06-25
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX a report of a collection debt ( XXXX XXXX XXXX XXXX XXXX ) was placed on the Experian credit bureau file under my name. Upon discovery, the credit bureau provided inaccurate or misleading information that the consumer isn't sure where to send. The website and app show two different address and at one point no contact number. As a company that sells people 's information for profit to support their business, the consumer ( with the credit file ) is supposed to be allowed to contest every debt and all debts ( by the original creditor ) and under Fair Debt Collection Practices Act. 

Experian has already had a class action lawsuit against for providing wrong information and paid a {$22.00} XXXX dollar fine without admitting fault ; lack of accountability. In addition, XX/XX/XXXX article shows " Experian had identity thieves had worked out how to bypass its security and access any consumer 's full credit report armed with nothing more than a person 's name, address, date of birth, and Social Security number ''. This is not only concerning, the trust of the public are in the hands of a company that can not even do anything accurate to assuage Experian Credit Bureau is trustworthy, accountable as the company severely lacks, have distasteful policies and practices, and provides misleading information whether on the website or app. 

Every consumer has the right to dispute and needs the correct information vs misleading information that can be interpreted as " bad faith business practices '' or tactics used to delay/aid another company in collecting debts ; that violates due process. XXXX XXXX bought a debt after the original company ( XXXX  ) has already written it off the debt, and a third party company ( whom bought for less ) is wanting to make a profit, slander/libel your name publicly, and use all kinds of ridiculous methods to talk and use sneaky tactics against every day people. 

Experian must provide " accurate and current updated information about creditors/debit creditors '' as this provides/allows consumers to address alleged debts in good faith business practices unless they are supporting this unethical behavior which needs to be public awareness. By providing wrong, misleading, inaccurate information comes as Experian is in cahoots with XXXX XXXX which is not only unethical, it's dishonest and uncivilized.

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 2023-07-14
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXXXXXX Balance Owed : {$110.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection on my Experian report that is not mine. I tried to disputing it with the company and they said account was verified, even though I have no knowledge of this account and never even paid this account one time.

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 2021-06-08
Company: EQUIFAX, 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:
I am writing you this letter to inform you that i have indeed been violated or my consumer rights as a federally protected consumer. The federal law under the FCRA states that in order to disclose my personal information they would needed my written consent making them liable also under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.

I have the right to privacy as a consumer which is stated in 15 USC 1681 ( a ) ( 4 ). You dont have they did right to furnish my information on my consumer report stated by law. If you have the permission to furnace my report. Send me the signed contract that gives you consent that contains my signature giving you consent to do so.

Also there is not a possible way a debt can be validated under 15 U.S. Code 1692g ( 5 ) ( b ). Law states that there is not an action to assess no credit bureau has the authority to do so. Lastly there is no investigation to conduct under 15 USC 1681a ( e ) investigative consumer report this term means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living it's obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he acquainted or who may have knowledge concerning any such items of information.

So this means there's no way any credit bureau can investigate. if so send me all the evidence and actions took during the alleged investigation. and send me proof of VALIDATION

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2023 : Notified M & T an unauthorized {$200.00} XXXX charge appeared on my bank statement. While on the call, the bank representative noticed another charge of {$67.00}, also from XXXX made the same day of the call. 
The XX/XX/2023 call with M & T about the unauthorized charges was made from my car, with my son, driving back from the XXXX XXXX in XXXX MD. 

On XX/XX/2023, my account was closed, card cancelled, and replacement reissued. 
I was in position of my physical card at the time of the call. 

XX/XX/2023 : Filed XXXX separate claims for the unauthorized charges : Claim Number XXXX ( {$67.00} ) and Claim Number XXXX ( {$200.00} ) XX/XX/2023 M & T sent letter denying the {$67.00} claim, while concluding the {$200.00}. claim was valid. 

XX/XX/2023 : Called M & T to protest their denial of the {$67.00}. Customers Service Representative informed me their reason for denial was " because the physical card was used ( and PIN ) to make the purchase. '' Explained that was impossible, because the card was always in my possession, and I did not make either XXXX purchases. The XXXX store involved in this dispute is located in XXXX AR. 

M & T 's claim my physical card was used to make a purchase in AR while I was driving in my vehicle in XXXX Maryland ( with the card in hand ) is mind-blowing.

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 2022-10-16
Company: TRANSUNION INTERMEDIATE 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 XXXX XXXX  XXXX Auto # XXXXXXXX XXXX # XXXX, XXXX LAW # XXXX, XXXX LAW # XXXX, XXXXXXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, 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 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 non-monetary relief