BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-22
Company: Self Financial 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: Account information incorrect

Complaint:
15 U.S Code 1681c-2 a consumer reporting agency Shall block the reporting of any information in the folks of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later then 4 business days after the date off receipt it has Been way over 30 days THATS Ive reached out you are in violation of this law because i am a victim of identity theft this account should not be furnished on my consumer report as you are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumers reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances to whom it relates. I NEVER have any consumer reporting agency WRITTEN CONSENT to report any thing 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 this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: American Credit Acceptance, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX has been non-compliant with removing the unverified account ( AMERICAN CREDIT ACCE ) which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that ( AMERICAN CREDIT ACCE ) was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: SUNRISE CREDIT SERVICES, INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Starting at XXXX XXXX  on Friday XXXX XX/XX/2023 through XXXX XXXX  XXXX XXXX, I have received 55 telephone calls from Sunrise Credit Services , Inc. XXXX XXXX XXXX XXXX, NY XXXX at ( XXXX ) XXXX. 

I had my current phone number for close to 2 years. I have no delinquent debt. I have nothing to do with these people. 

At XXXX XXXX XXXX XXXX a call came in after I printed out my phones history. Previously received phone calls from Sunrise Credit XXXX & saved to my phone history : Mon XXXX XXXX XXXX XXXX & XXXX XXXX, Fri XXXX XXXX XXXX XXXX, Thur XXXX XXXX XXXX XXXX & XXXX XXXX, Wed XXXX XXXX XXXX XXXX, Tue XXXX XXXX XXXX XXXX & XXXX XXXX, Mon XXXX XXXX XXXX XXXX, Fri XXXX XXXX XXXX XXXX & XXXX XXXX, Thur XXXX XXXX XXXX XXXX  & XXXX XXXX, Wed XXXX XXXX XXXX XXXX & XXXX XXXX, Tue XXXX XXXX XXXX XXXX & XXXX XXXX, Mon XXXX XXXX XXXX XXXX & XXXX XXXX, Fri XXXX XXXX XXXX XXXX, Thur XXXX XXXX XXXX XXXX & XXXX XXXX, Wed XXXX XXXX XXXX XXXX, Tue XXXX XXXX XXXX XXXX, Mon XXXX XXXX XXXX XXXX, Fri XXXX XXXX XXXX XXXX, Tue XXXX XXXX XXXX XXXX & XXXX XXXX, Mon XXXX XXXX XXXX XXXX & XXXX XXXX, Fri XXXX XXXX XXXX XXXX & XXXX XXXX, Thur XXXX XXXX XXXX XXXX & XXXX XXXX, Wed XXXX XXXX XXXX XXXX, Tue XXXX XXXX XXXX XXXX & XXXX XXXX, Fri XXXX XXXX XXXX XXXX, Thur XXXX XXXX XXXX XXXX & XXXX XXXX, Wed XXXX XXXX XXXX XXXX, Tue XXXX XXXX XXXX XXXX & XXXX XXXX, Mon XXXX XXXX XXXX XXXX, Fri XXXX XXXX XXXX XXXX, Thur XXXX XXXX XXXX XXXX & XXXX XXXX. Wed XXXX XXXX XXXX XXXX & XXXX XXXX, Mon XXXX XXXX XXXX, Fri XXXX XXXX XXXX XXXX, Thur XXXX XXXX XXXX XXXX, Wed XXXX XXXX XXXX XXXX, Tue XXXX XXXX XXXX XXXX, Fri XXXX XXXX XXXX XXXX. 

Will the FTC issue Sunrise Family of Companies, Sunrise Credit Services , Inc., XXXX XXXX XXXX XXXX XXXX XXXX a cease & desist order? 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX OH 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 2021-07-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE 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: Personal information incorrect

Complaint:
15 usc 1681 all 3 reporting agencies must promote accurate information with my credit report and thats exactly what they are not doing with the attachments below it shows all my accounts have been opened on different days, inaccurate and unverified information must be removed. I have certified mailed all 3 bureaus tracking number XXXX XXXXXXXX and still have not receive any information. 

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
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.

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 2022-03-02
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Western Union has promoted and has made known through their website that money I will be sending will be available in minutes. They are somehow delaying the transfer, when my family overseas need it the most. I have transferred an amount of less than 100USD. I talked to their Customer Service and they tell me to wait for the whole day for the transfer to complete without even giving any reason as to why whatsoever. I chose the service because of their promise of swift transfer in minutes, yet they did not comply with their own terms. I would understand if they gave me a understandable reason for the delay, yet there was nothing coming from them, they just wanted us to wait. I wouldn't have chosen the service if that were the case. They even suggested that the receiver to travel to a nearest local agent location to receive the transfer, which would make the receiver spend unnecessary and significant amount of money, effort and most importantly time, which we are short of. 

Transfer Tracking # ( XXXX  ) : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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

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 2023-06-14
Company: Nationwide Credit & Collection, Inc.
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Regarding NCC file XXXX, claiming I owe XXXX to XXXX XXXX XXXX. I have been in contact with XXXX XXXX regarding this bill and it has been paid through my XXXX XXXX ( see enclosed ). I contacted their customer service a couple of times about the communication/system issue between XXXX and XXXX XXXX and was told to keep waiting because XXXX sent a physical check. 

I called again today ( XX/XX/XXXX ) about the service date XX/XX/XXXX for XXXX XXXX ( spouse ) and the agent confirmed I had a XXXX balance even though they couldnt discuss any details because of HIPPA XXXXXXXX XXXX XXXX XXXX 

I now am demanding a physical receipt from XXXX XXXX showing this service has been pif aside from what XXXX is showing in my statements I also demand proof any information from Nationwide Credit reported to the 3 major credit bureaus has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX account # XXXX, XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX XXXX account XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602A states that I have the right to privacy.

15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without my written consent.

15 USC 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 USC 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 2022-11-02
Company: EQUIFAX, INC.
State: AZ
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 just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX Last reported XX/XX/2023 {$970.00} Open balance XXXX XXXX XXXX XXXXXXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2023 {$1400.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor This bill has been paid, According to the Credit Reporting Act USC 1618 its reporting incorrect information on 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 non-monetary relief
Consumer complaint received 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to delete the following information in my file. The item I need to be deleted is listed in the report. I am a victim of identity theft and did not make the charge. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the item as soon as possible. 

I sent a letter to these agencies about a month ago and they still have an inaccurate item listed on my credit report. Please see the attachment for the details of the account still listed. PLEASE SEE ATTACHED. 
Your office is in violation of my consumer report given to me by Congress as a federally protected consumer. YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, it has come to my attention that your office ( Transunion, XXXX, and XXXX ) have again violated my privacy. 15 USC 1681 ( a ) ( 4 ). You also have placed false inaccurate collection accounts on my consumer credit report that I would like to remove.

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 2022-11-02
Company: EQUIFAX, INC.
State: MO
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the following items as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 If you claim these items are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: HUNTINGTON NATIONAL BANK, THE
State: AZ
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 credit monitoring serives with XXXX XXXX, and received notifications of hard inquiries from the following financial institutions. 

Huntington National Bank XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, DE XXXX I have not signed any documents authorizing these organization to view my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
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:
Experian and XXXX  have been reporting these fraudulent accounts under my name XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX CHILD SUPP is fraudulent on my credit Account # XXXX XXXX XXXX CHILD SUPP is fraudulent on my credit Account # XXXX XXXX XXXX, XXXX is fraudulent on my credit Account # XXXX I didnt benefit, apply for, and authorize these 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 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My Experian and XXXX credit reports arent being updated, please add my current address to my credit report so that my credit report can be updated. My current address is XXXX XXXX XXXX, XXXX XXXX XXXX, MA 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 2022-12-02
Company: Synovus Bank
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: Account status incorrect

Complaint:
Many concerns : A collection company representing First Porgress XXXX XXXX XXXX keep calling me with information that an account ( XXXX ) were open in my maiden name ( XXXX ) a few years ago. I have asked for this information and reported as inacurate and incorrect. This is not my debt. They harrass me day in and day out over this XXXX XXXX XXXX keeps asking for more money representing XXXX XXXX. I have paid balances and they keep calling with new balances This was already paid for. 

XXXX XXXX XXXX representing XXXX XXXX which was paid XX/XX/2022 in full but never removed from credit reporting from collection agency as promised. 

XXXX XXXX - XXXX which was paid in full a long time ago and disputed transaction from a companty called XXXX men and a truck. I have no knowledge of but they keep calling me to pay. 

XXXX XXXX stating I owe a balance {$4200.00} which was paid in full XX/XX/2022 and I have received a paid in full letter numerous times and a title to the item purchased, stating im the sole owner. I keep calling them to remove the debt from my credit and all they do is apologize for the error. 

XXXX XXXX- I have TWO credit accounts from XXXX XXXX AND XXXX since XX/XX/2022 but they are not reflecting on my credit as on time payments or ownership on these credit accounts. I call them to confirm they are reporting to the credit companies but nothing happens. They keep saying its an error. 

I call to remove closed accounts from my credit but those companies do not anything. 
I also wanted the hard inquires and bankruptcy removed but when i call the reporting agency they just put me on hold and nothing happens.

Company response to consumer: Closed with explanation