BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX XXXX XXXX / XXXX P.A attorneys at law XXXX XXXX XXXX XXXX XXXX XXXX mn XXXX Also, Midland credit management Court ordered judgment XXXX XXXX Mentioned on this day I was exempt due to being on ma and food stamps, judge said to worry about it after court. 

Received notice the were going to garnish wages in mid XXXX, with a basic exemption form releasing said agency to say if I was on assistance and only request my case number. Did not ask for any proof. Sent XX/XX/XXXX certified mail, still have receipt. Found out I had to send a copy to my employer. XX/XX/XXXX sent copy to XXXX charities via email. Said they were on it. Next day email back saying its not good enough proof. As they garnished that current paycheck on XX/XX/XXXX. In the amount of XXXX. I had worked XXXX hours overtime or so hoping to pay my XXXX utility bill for heat and electric. I called XXXX and asked if the had received my exemption. He stated the did and transfered me to XXXX XXXX XXXX. Talked and he hung up on me after asking about my money back, called back straight to voice-mail. Waited XXXX min called him back he answers. I ask again why I'm being garnished he explains tbe state has not replied yet and I did not send proof. I asked what proof he needed and why proof was not asked for originally I would have sent anything needed. Proof of ma or food stamps. I submitted current proof from the mn game service XXXX stating how much assistance I received via email to XXXX called the next day asking if he received it and he said yes he would fax my employer to stop garnishment. I did not have fax number at time. I called my employer got number called him right back straight to voice-mail, I left a voice message with info and fax number XXXX XXXX I believe. Called employer said the didn't receive anything XX/XX/XXXX. Called XXXX again XXXX straight to voice-mail left another fax message. They also stated I need to write a letter to get my money back and I probably won't get it all they said.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
After sending information to verify myself with my disputes, XXXX, Experian, & XXXX have not investigated or responded to disputes on my credit report. They have violated the FCRA 30-day-to-respond regulation.

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 2021-07-01
Company: Bread Financial Holdings, 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've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : # XXXX XXXX Account Name : XXXX  Account Account Number : # XXXX - {$0.00} Account Name : XXXX  Account Number : # XXXX - XXXX XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2018-10-17
Company: Experian Information Solutions Inc.
State: AZ
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 XXXX XXXX XXXX account # : XXXX, dont have a balance of {$230.00}. I currently have a balance of {$0.00}, My XXXX DC # : XXXX, dont have a balance of {$290.00}. I currently have a balance of {$0.00}. The following credit inquiries are fraudulent, unauthorized and not mine : XXXX XXXX XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX, XX/XX/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 2022-11-09
Company: ALLY FINANCIAL INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have no knowledge of the accounts listed below. The accounts were place on my credit report that seems to be fraud activity. 

XXXX. XX/XX/XXXX ally financial XXXX auto loan services-i attempted to dispute they would not removed the fraud inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX knowledge of account XXXX XXXX XXXX XXXX XXXXthis inquiry is on my credit report twice and is fraud XXXX XXXX XXXX XXXX XXXX XXXX fraud I have no knowledge of account XXXX XXXX XXXX XXXX fraud account is on credit report twice XXXX XXXX XXXX XXXX fraud account XXXXXXXX XXXX XXXX XXXX XXXX  fraud account XXXX XXXXXXXX XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXXXXXX  fraud account XXXX XXXX XXXX XXXX XXXX XXXX  fraud account XXXX XXXX XXXX XXXX XXXX XXXX fraud 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 2022-02-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2018-08-22
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Today, XX/XX/18, I found a seller on XXXX who was selling 2 XXXX XXXX tickets for the XX/XX/18 XXXX XXXX  for XXXX dollars.

Link : XXXX XXXX XXXX  Post id : XXXX I pressed the reply button which went straight to my messages app to text him at XXXX XXXX XXXX XXXX XXXX and asked him about the listing and for proof of purchase. After he sent me a picture of his receipt from XXXX  I ask him to do the transfer through XXXX, which he then says he doesnt have and that I should use XXXX. I tried using the app itself, which didnt work so he tells me that I can use it in my XXXX XXXX XXXX app. I transfer him {$230.00} and text him right away. He says hes got it and to give him a second - this was at XXXX XXXX. I send him a text at XXXX, XXXX, and XXXX to get the tickets but no response. I call him twice as well and the phone keeps ringing and doesnt go to voicemail, meaning that he blocked my phone number. Apparently XXXX doesnt have fraud protection, which Im just learning about now and why Im filing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I received a copy of my consumer report and its reporting the two accounts that I previously disputed as verified. Im requesting validation pursuant to the FDCPA 15 U.S.C 1692g of these accounts in addition to providing a description of how you certify that the information was complete and accurate. If you can not provide me with factual evidence to support how the accounts below were verified as complete and accurate, you must delete them immediately. 

Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections : XXXX XXXX Please provide verifiable proof or delete this account for FCRA violation 15 U.S.C section 1681 XXXX XXXXPlease provide verifiable proof or delete this account for FCRA violation 15 U.S.C section 1681

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 2022-12-29
Company: Experian Information Solutions Inc.
State: AR
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 am submitting this CFPB complaint to request that you remove the fraudulent Accounts and information I found on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of accounts and information that you should remove : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft, please do so.

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 2022-02-15
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION COMPLETELY FROM MY CREDIT REPORT : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXXL Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXX Date Updated : XX/XX/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 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Dear To whom it may concern, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after date of the receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports- ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the following account ( s ) listed IMMEDIATELY : Account name : XXXX  XXXX  Date opened : XX/XX/XXXX Account number : XXXX Account name : XXXX XXXX Date opened : XX/XX/XXXX Account number : XXXX Account name : XXXX  XXXX  Date opened : XX/XX/XXXX Account number : 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 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Transunion has not done a proper investigation according to the standards of the FCRA. 

I have been disputing this account and Transunion keeps saying they updated the information but the account still remains inaccurate and incomplete. In accordance with the Fair Credit Reporting Act Everything has to be 100 % Accurate on my consumer report. 

Transunion says they have updated the account however there are still inaccurate information reporting. 

However, XXXX and XXXX already removed this account from my consumer profile due to inaccuracy reporting. 

How is it possible the account is accurate and there was a proper investigation if the reported information does not meet Metro 2 Compliance standards. 


Transunion is in violation of USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; Transunion is in violation of USC 1681 s-2 ( 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. 

USPS Certified Mail Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX This is ground for removal from my consumer 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 non-monetary relief
Consumer complaint received 2022-03-07
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: Information belongs to someone else

Complaint:
I have been trying to get these fraudulent accounts off my off my credit report for some time now. I sent a few mail documents to Transunion, XXXX and XXXX back in XXXX of 2021 and I still haven't seen any updates on my credit report. Every time I check my email, I get alerts stating that my information has been compromised and is on the dark web. When I called the credit bureaus they said I need an FTC report. I have never done business with these companies. I have attached the FTC report along with my Drivers license and social.

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 2019-10-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello, I have a new credit card with XX/XX/XXXX for XXXX and it was only added to XXXX. I spoke to XXXX and Experian and they stated the Merchant has to add it. However, XXXX did report to all three bureaus that they updated this information on there part. 
I really need this information to show up because it will help with my utilization that was the purpose of the card. Can you please assist me in this manner with the situation.

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 2022-11-09
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation