BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: RI
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I, XXXX the consumer, called Trans Union , Fraud Victim Assistance department on XX/XX/XXXX to have inaccurate false, and misleading information removed from my consumer credit report. I was told they would not be able to change any information without an FTC or Police Report concerning any of the false, inaccurate, or misleading personal consumer private financial information that I stated was incorrect, misleading and false on my consumer profile that they were reporting without my permission that was mailed to me on XX/XX/XXXX. They would not initiate a dispute over the phone without the Police report or FTC report. As a consumer, it is my right to financial privacy, equality, and respect according to Congress. Trans Union as a consumer reporting agency has a duty to report fairly and accurately true information at all times on behalf of the consumer. They are obligated to do this by Congress. This a violation of my rights and my consumer creditworthiness has been injured as this false and misleading personal financial information has been given to over 50 companies ob multiple times. The inaccurate false and misleading information is a result of identity theft concerning transactions that were not initiated by the consumer. If any information was collected from any self-test employment, I was never properly disclosed nor did I give my written ink signature to agree to have this false, inaccurate, and misleading information placed on my consumer profile. According to Regulation B, Credit profiles are considered false fictitious information and should not be used when evaluating an application for consumer credit transactions but the use of a fictitious profile has to be disclosed to the consumer and they have to volunteer to take the self-test. I was never aware. I am requesting methods of verification used for this information to appear on my credit profile and they actually certify that the creditors met to provide this information on my consumer profile. Also, remove the inaccurate information. Also, Trans Union has sold for profit my consumer profile and I was not compensated.

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 2022-10-25
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:
I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
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:
XXXX, XXXX  and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.

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 2023-09-12
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have filed multiple disputes. creit bureaus refuse to complay with the disputes and remove fraudulent and unauthorized inquiries causing negative information on my file and lowring my credit score

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 2023-04-10
Company: EQUIFAX, INC.
State: NV
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:
USC 1681 Section 602a, states that I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

15 USC 1681 sec. 604a sec.2 : It also says a Consumer Reporting Agency can not furnish my account without my written instruction.

15 USC 1681 c, ( a ) ( 5 ) states : No Consumer Reporting Agency may make any Consumer Report containing any of the following items or information : Any other adverse item of information, other than records of convictions of crimes which antedates the Report by more than 7 years.

15 USC 1681c 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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have to request for my balance to reflect correctly with each credit reporting agency each month. XXXX XXXX reports on time, they've provided proof. For whatever reason the reporting agencies delay updating the account the account information ; there is a 60 day delay. The balance owed is incorrect, I only owe {$470.00} to 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 2023-03-15
Company: Experian Information Solutions 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:
Fruadlent Accounts on Credit Report 1. XXXX XXXX XXXX {$110.00} XXXX. XXXX XXXX XXXX {$650.00}

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 2023-06-30
Company: Conduent Incorporated
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2023 I used this card with my PIN number to get gas. I got {$25.00} in gas and when I got on to check my balance it had a hold for {$150.00}. I called to see how long this will take as we are on day XXXX of this hold. 

The prompts are not user friendly so I went with the transaction option. I talked to a lady and she said she was sorry and that she can not do anything about this. 

I got a notification and see that a a {$25.00} " clearing report debit adjustment '' was charged to my account. I am not sure what that is for. If this is due to my call, I was never told about this charge. Can this be reversed or refunded? The lady never said anything about this nor did any of the prompts. Do to this {$25.00} charge my card is now negative {$22.00}. 

Also is there anything that can be done about the hold? I normally would not care about the hold but I am in need of this money to be able to go to the grocery store.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Consumer Adjustment Company Incorporated
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2023, I mailed a letter to Consumer Adjustment via USPS mail, requesting documentation about account number XXXX because I was trying to verify if the account had actually been re-aged. 

To this date, I have not received any mail in return about the account and I do not know how to go about getting the details. To my knowledge, this account is inaccurate and older than 8 years and should no longer be reported unless this company has re-aged the debt to collect and report a balance that I do not recall. But without the documentation, I am at a loss. 

Consumer Adjustment is willingly violating my rights by ignoring my request and possibly violating my rights again by re-aging this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Experian Information Solutions Inc.
State: DE
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 XXXX XXXX HAVE SENT NUMEROUS OF LETTER TO ALL THREE BUREAUS WHO REFUSE TO CONDUCT A PROPER INVESTGATION TO THESE NEGATIVE & INNACURATE ACCOUNTS REPORTING ON MY CREDIT. THEY WILL COMPLETE THE INVESTIGATION IN 2-3 DAYS SAYING VERIFIED WITH NO PROOF OF HOW THESE ACCOUNTS WERE VERIFIED. EXPERIAN HAS SENT ME NUMEROUS OF LETTER INDICATING THAT THEY WILL NO LONGER COMPLETE AN INVESITAGTION BUT WILL REFUSE TO EXPLAIN HOW THEY VERIFIED THESE ACCOUNT.

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 2023-08-29
Company: Experian Information Solutions Inc.
State: CA
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 one of 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Please remove this items ASAP.

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 2021-06-15
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have had an account on my credit report from Jefferson Capital Systems for a significant amount of time. Ive sent several letters to this company attempting to resolve this. I finally received a letter in XXXX saying they were ceasing collection of this item and it would be removed from my credit report. As of today, XX/XX/2021, it remains on my credit report. I attempted to call Jefferson Capital, only for them to assure me that it has been removed, but it has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The inquiries on my credit report are in accurate

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 2023-06-30
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
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:
First of all they never send the original lease ( which is endorsed with ink ) because we all know that the original contract is endorsed with ink. Second you are a third party debt collector who shouldnt even be contacting a consumer about any matter. Which is against the law are u above the law. XXXX XXXX at XXXX XXXX as well as you who is a Third Party Debt collector have went in contract using my information is identity theft because you guys never got my consent to give anyone my information or to contact me. Those signatures are also forged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I loss my walllet and some people used to get bill form to go the hospital

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 2023-06-30
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Every last time I try and contact Experian to allow a company to do a credit check while I have a credit freeze I am unable to remove the restriction. 
The company has a completely feckless phone number that led me in endless loops no less than XXXX times. 
They say I must do by mail or website but I have no idea what account Id I have. I am not okay with a company that weilds so much power that I have to put a freeze on because they ruined and abused their power before. But then when I want access, they have made it so hard that I am giving up. 
This is exactly why these companies should not be allowed to exist. They control everything and serve no one but their self.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I submitted a complaint about XXXX Credit Card and XXXX  XXXX  because ai had paid my card down 2/3 of the balance and today I received an email stating that I had gone over the limit and ai havent used the card ; I called the automated number and my balance is almost paid off, so I paid the entire thing off and will now be cancelling the XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 our joint-checking account was robbed of {$3500.00} in three separate transactions. This account belongs to my XXXX son and myself. 
My son was away at college for the first time and received a call from the bank, or so he thought ... .the caller id on his phone showed " Bank of America '' so being young and inexperienced in dealing with such issues he proceeded to follow the instructions given by the caller. They first told him they were just confirming that he made 3 separate XXXX payments ( {$1600.00}, {$900.00}, {$1000.00} ) that were waiting for authorization to which he responded that he absolutely did not! So they proceeded with ok glad we called to check but to make sure you are not charged these withdrawals we need you to send the same amounts to a different number which will then go directly back into your account. I realize this is not something that an experienced adult would do but he had no way of knowing it was a scam, after all the caller id said " Bank of America ''! I have been trying to have Bank of America help us with this matter since XXXX of XXXX, I have filed multiple complaints, and gotten nowhere ( case number XXXX ). Also my son filed a police report right after it happened and I can not get through to anyone at XXXX. I am at a loss now of what else can be done. This was his college money and we are devastated to say the least.

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 2023-08-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

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 2023-03-29
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX My visa was charged in the amount of {$220.00} from XXXX and {$1900.00} from XXXX vacations. I was assured by a Representative, representing both that the above mentioned charges did not go through and would not be charged. 
I have attached a letter that I was requested by visa to write being as detailed as possible as to why I was reporting this as a fraudulent charge. This letter was date XX/XX/XXXX on the second page in the letter I stated I called visa on XX/XX/XXXX, that date was incorrect I originally called them I believe on XX/XX/XXXX to report this charge as fraudulent after an exhausted effort to resolve with the original website XXXX. Since this letter was sent to Visa via their website, I have been on the phone with them repeatedly trying to get this resolved. Visa keeps passing me from the fraud department to the merchant dispute department ( passing the buck within the organization ) The last conversation I had was yesterday with XXXX who was a supervisor of merchant dispute ( keep in mind I was transferred I believe three times from one department to next and back again ) he refused to give me his last name and also refused to escalate the call to his superior. He stated he could not do that and could not remove the charge. He said someone would call me back its been over 24hours and I have not gotten a returned call. 

Please note the {$220.00} has been removed as of this date but the other charge has not. 
The letter I received yesterday said that its possible it will reappear.

Company response to consumer: Closed with monetary relief