BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-04
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have these different company making wrong report on my credit. Most of these company I do not know and some are predatory. Example is the XXXX XXXX with account number XXXX {$840.00} this company I do not own anything. This company was a predator. I took them to court and I got a judgment in my favor and they still went ahead and make a report on my credit. 
Affirm I do not own them anything XXXX XXXX I do not know XXXX I own nothing. XXXX XXXX XXXX XXXX is with accounts XXXX {$11000.00} they are wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX, XXXX XXXX were provided to me by an entity in XXXX PA, that was in the process of being sold to a major University, during the shut downs triggered by the start of the XXXX pandemic. The University subsequently sold the entity to a XXXX system. Somehow in those transactions, an inaccurate bill for {$630.00} was generated, and refuted by me. The hospital ( which was not the original service provider ) never responded and a few months later the bill was sent for collections to XXXX XXXX XXXXXXXX XXXX XXXX I again rejected the bill and asked for documentation from XXXX, but received none. The matter then landed on my Experian Credit report in XXXX,, but after my complaint to Experian, the adverse and incorrect credit info was removed from my credit report. In XX/XX/XXXX, the adverse and incorrect credit info appeared, for the first time, on my XXXX Credit report, and is now also in dispute. The collection agency ( XXXX XXXX XXXXXXXX XXXX XXXX  ) is a XXXX party to the original matter. They are unresponsive and continue to distribute incorrect, adverse and damaging debt data.

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 2021-01-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX promissory note validates account paid in full before XX/XX/2017 XXXX XXXX  XXXX  day late is impossible, though Experian, XXXX, XXXX  misreport ). Documents validate account never late. Documents show account CLOSED in XXXX not XX/XX/2017 ; therefore, account could not be possibly closed in XXXX. Experian, XXXX, XXXX continue to inaccurately report for several years.

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 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX - INQUIRY DATE XXXX XXXX XXXX XXXX - XX/XX/2022 - I CALLED THE COMPANY AND INFORMED I ONLY AUTHORIZED ONE CREDIT CHECK AND NOT 2 WHICH IS THIS ONE. 

XXXX XXXX XXXX XX/XX/2022 - I CALLED THE COMPANY AND INFORMED I ONLY AUTHORIZED ONE CREDIT CHECK AND NOT 2 WHICH IS THIS ONE. 

XX/XX/XXXXXX/XX/2022 - XXXX DONT KNOW WHY THIS IS HERE.

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 2018-12-27
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I could have checked almost every option ... .continued calls, impersonating a county worker, told them to stop and they havent. I have received MULTIPLE calls from these people claiming to be a worker for the county trying to serve me papers for court appearance. They have called me, my husband, my daughter and my mother and mother in law claiming to need to serve me papers for a court appearance and threatening to physically go to my employer to try to serve me there. I have spoken to the originating co several times over the last year telling them not to contact me again. This co has a 3rd party call for them stating that there is an upcoming court appearance that I am required to attend yet when I call the number that they give me, it is a collector who refuses to provide the name of the company that they work for. I have told them no less than 10 times not to contact me yet they continue to reach out not only to me but to my family members. The debt was to XXXX, it is almost 10 years old, for less than {$500.00} and it was charged off by XXXX several years ago. The initial phone calls are coming from XXXX ... when I call back, it wont connect. The message says to call XXXX and they refuse to tell me who they are other than that they are acting on behalf of XXXX. Once again, today, I told them not to contact me, that I have told them not to contact me already several times and that I have already filed a complaint against them and I was told that " it doesnt matter ''. They are rude, dimissive and dont really care that they are violating the law by continuing to contact me. They have called me no less than 15 times over the past month PLUS called family members who they worried thinking that I was getting sued. AND, the message that they leave, although it says that its for me only, is left in its entirety on my family voice mails. I am tired of the harassment and their tactics and would really appreciate some help from you as this is the FOURTH time Ive submitted a complaint.

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 2023-11-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I acquired my Before credit to check and make sure everything was completed according to 15 USC 1681. I waited 30 days and received my investigation and noticed everything was still the same. Everything still the same consumer report which is XXXX experianXXXX XXXXXXXX did not modify or remove anything. The date open is not correct date is not correct. All three credit report. Date of last payment is not correct on three credit report which is a violation. This is impacting me from moving forward to buying a house for my family, can you have them correct this by erasing it off my credit report as soon as possible please

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 2023-11-11
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I saw a delinquency on my credit report. I went to XXXX credit bureaus that could not provide details. 
I found details through Experian. There is a delinquency from XXXX  for XXXX missed car loan payment through XXXX XXXX. I recalled speaking with the bank and explaining the reason was that I moved residences from XXXX XXXX XXXX because of employment. I didnt receive the bill and when I thought of it, I was XXXX passed. I spoke with the bank and made restitution as soon as I realized it. The loan was paid in full and account closed. 
The delinquency still appears on my credit report. 
I attempted to contact the bank prior to initiating the dispute but the number on the Experian website for XXXX XXXX  is out of service. I called a toll free number for XXXX but they could not help me without an account number of some sort. I no longer have the account number from XXXX. 
I initiated a dispute through Experian and also called them to explain the situation, and that the number they have for the bank is incorrect. 
They repeated call the bank.

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 2022-12-27
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-08-25
Company: Experian Information Solutions Inc.
State: SC
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 noticed after the federal government XXXX changed my ssn my former attorney had me sent out certified letters to all credit bureaus with copies of myself and XXXX  kids social security cards birth certificates school demographics and report cards XXXX XXXX XXXX XXXX XXXX had written letter of disputes and police reports. XXXX credit report got worse. I have over XXXX inquiries and Ive not even had access to my account since the beginning of the year, my information is being bridge via cyber attacks against my devices from home to hide the real criminal activities and Im getting the bad end of the deal adverse actions against me and my XXXX  children. Im getting medical bills out of no where fake guarantors numbers, data breaches from XXXX XXXX XXXX, XXXX has XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  file number XXXX, XXXX XXXX, and XXXX is showing up differently over XXXX times in one year and Ive only reached out to them twice 3 times including today!!! Ive sent updated ssn they never changed it they wont remove XXXX XXXX XXXX, illegally selling my information to accuse me of what the criminals are doing, victimized of human trackifficking then, my kids medical information compromised, XXXX already repetitively getting data breaches from them shows : intersections, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX WITH MULTILOLE DIFFERENT ADDRESSES, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT DONE BY ME OR ISNT MINE ALL XXXX USING DIFFERENT NAMES IS FRAUD IVE REACHED OUT TO XXXX XXXX in the last 2 years. Experian wont give me access to my credit report with the correct information, there is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXLinked to compromised former business XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Multiple cyber attacks, placing government agencies in jeopardy with their servers, KNOLLS MONITORING SERVICE MAILED ME A LETTER OFFERING FREE SERVICE DUE TO MULTILOLE INTENTIONAL DATA BREACHESIM BEING FORCED TO GIVE UP MY PRIVACY HUMAN CIVIL RIGHTS DUE TO 15+ years of fraud, false information, racketeering, misleading information, when i file complaints my health gets worse and so does my kids. Everything I do is being illegally monitored!

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 2023-06-29
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: Credit inquiries on your report that you don't recognize

Complaint:
I DO NOT RECOGNIZE THESE INQUIRES ON MY CREDIT PROFILE. THE DATE OF ALL INQUIRES LISTED ON REPORT ARE THE SAME ( XX/XX/2022 ) XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 SXXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX  XX/XX/2022 AXXXX XXXXL XX/XX/20XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXX XXXX  XX/XX/2022

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 2019-09-16
Company: EQUIFAX, 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 don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Experian Information Solutions Inc.
State: IL
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 15 USC 1681. 

remove these accounts listed ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 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 2023-11-11
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I saw a delinquency on my credit report. I went to 2 credit bureaus that could not provide details.

I found details through Experian. There is a delinquency from 2018 for one missed car loan payment through XXXX XXXX. I recalled speaking with the bank and explaining the reason was that I moved residences from XXXX to XXXX because of employment. I didnt receive the bill and when I thought of it, I was XXXX passed. I spoke with the bank and made restitution as soon as I realized it. The loan was paid in full and account closed. 
The delinquency still appears on my credit report. 
I attempted to contact the bank prior to initiating the dispute but the number on the Experian website for XXXXXXXX XXXX is out of service. I called a toll free number for XXXX but they could not help me without an account number of some sort. I no longer have the account number from 2018. 
I initiated a dispute through Experian and also called them to explain the situation, and that the number they have for the bank is incorrect. 
They repeated call the bank.

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 2019-09-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is information on my report that is incorrect and also does not belong to me

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 2022-12-27
Company: EQUIFAX, 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:
This is my 2ND endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , NY XXXX XX/XX/XXXX ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$270.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$510.00} ; XXXX  XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties.

Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports Section 15 USC 1681A Late Payments Are Illegal!

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

These accounts are fraudulent and identity theft and need removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
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 am writing to dispute the following information that your company supplied to Equifax, LLC. I have circled the items I dispute on the attached copy of my credit report ( s ). 
This item for instance : XXXXXXXX XXXX at XXXX for account number XXXX XXXX XXXX XXXX is inaccurate or XXXX XXXX XXXX credit reporting agency has reported no data for the years XXXX, XXXX, XXXX, XXXX, and XXXX. XXXXXXXX XXXX has also not provided a written statement proving that the interest rate was not discriminatory, late fees were accurate, and why it did not honor lump sump payments over the due date amount with no payment due in the preceding months. I am requesting that XXXXXXXX XXXX  have the item removed or adjust the amount that is reported over an above the credit limit. 

There is no indication that the interest rate assessed on the account was not discriminatory compared to the national average rate offered for a XXXX veteran with my credit rating at the time the account was opened. 

There is no written indication from XXXXXXXX XXXX that the late fees assessed on the account were justified considering XXXX XXXX who is a XXXX veteran paid lump sump payments, but XXXXXXXX XXXX  would impose a request for payment in the preceding months. 

Equifax has not taken these issues into consideration and has not provided anything in writing from the original creditor XXXXXXXX XXXX to justify the continued reporting of this account to the credit bureau. 

Enclosed are copies of my credit report and any other documents supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete or correct the disputed item ( s ) as soon as possible.

Company response to consumer: Closed with non-monetary relief