BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
n accordance with the Fair Credit Reporting ACT XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX - XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( 2 ) In accordance with the written instructions of the consumer whom it relates Did I give you written instructions to furnish this in my credit report?

Furthermore, The Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( 1 ) exclusion from a credit report state : ( 2 ) Exclusions. - except as provided in paragraph ( 3 ). The term consumer report " does not include - ( A ) Subject to section 1681s-3 of this title, any - ( i ) report containing information solely as a transaction, or experience.

Between the consumer and the person making the report.

Delete these above account from my consumer report, this agency is in violation of 15 USC 1681 According to U.S.C 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of failure or damages of less than {$100.00} and not more than XXXX. 

I want XXXX per violation, or the negative item immediately removed from my credit report. 

You did not get my written consent to create a credit report. 

Please send me a copy of my updated consumer report reflecting these changes. 



Violations : 15 USC 1681 ( a ) ( 4 ) rights to privacy.

15 USC 1681 ( b ) ( e ) false information.

15 USC 1681 ( b ) did not use way is fair and equitable to the consumer in reporting negative allegations without written permission 15 USC1681b ( a ) ( 2 ) need written permission.

15 USC 1692 ( f ) 15 USC 1681n

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 2022-04-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax has been reported five times. I stated I would get an attorney HE is on standby. 

Couple of issues. My free credit report since your refusing to allow me to download it from the site because your scared it will be forwarded I am asking for it to be mailed. 

In addition XXXX XXXX should have been removed. Seven years is XXXX of 2022. 

Your reporting a score of XXXX. I suggest once again all the accounts that are aged out and over 10 years ago or more be removed. If I have to take legal action against your company I will. 
Mail my credit report out. 
Explain why the credit score is XXXX. 
And remove all accounts that are aged out including XXXX XXXX. 
You disabled the dispute button on my account so each time I need to dispute an issue it will be made public until you understand your role. 
Your role is to provide accurate information.Because of your inaccurate information your organization stopped me from applying for a {$10000.00} loan with the federal government. XXXX XXXX should have been removed yet it was not. I am a consumer as one attorney already said " The law is on my side ''. Continue the games Equifax. We will see who wins. I appealed the federal government decision and since they used XXXX and XXXX during the appeal I won my case and got the loan. So the federal government other agencies are now being made aware of your failure to follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
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:
I recently discovered that I had a few accounts under my name that I myself had not opened. I only found out about them because I was continuously receiving calls about different accounts being sent to collection ( which at first I thought was just a scam call ). It wasn't until I went to apply for something and got denied that I finally went to check my credit score and noticed a significant decrease. I seen that a couple loans had been opened and sent to collection, and also that a credit card had also been opened and is on its way to collection with a past due and over limit balance. I have filed with identitytheft.gov and have tried explaining to the companies the situation to no avail. I am not sure who or how my information was acquired, and have limited info on the dates accounts were opened. I do have the current amounts as listed below : -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 2023-08-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX, NYXXXX ; XXXXXXXX XXXX  XXXX XXXX XXXX, NYXXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, MD XXXX ; XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$5300.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$820.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX ( XXXX XXXX : XXXX ) XXXX Balance Owed : {$280.00} ; XXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance Owed : {$780.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My address on my credit should only be XXXX XXXX XXXX XXXX ID XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ID 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 2022-08-18
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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA, XXXX XXXX XXXXXXXX Date Opened XX/XX/2018 Balance {$0.00}

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 2023-06-07
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$170000.00}, XXXX XXXX Balance XXXX {$880.00}, XXXX XXXX XXXXXXXX Balance : {$480.00}

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 explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA, XXXX XXXX XXXXXXXX Date Opened XX/XX/2018 Balance {$0.00}

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 2022-08-18
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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2016 Balance {$33000.00}

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 2020-09-29
Company: American Credit Acceptance, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/2020 the bank had a tow truck company stole my automobile. I have given bank promissory note twice. 3-603. TENDER OF PAYMENT.

Primary tabs ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.

( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.

( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX XXXX XXXX is reporting on my credit report for the amount of {$2000.00}

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 explanation
Consumer complaint received 2018-05-14
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
About ten years ago, I was mislead by a XXXX, California Citibank investment account representative into opening a Brokerage account by investing in a XXXX XXXX XXXX that I later found out was newly established. He pressured me into opening the account and formed an inaccurate financial picture of me but failed to tell me that I could cancel the account within a few days while I went overseas. Needless to say, that account representative no longer works for the company. My account was charged the {$75.00} maintenance fee even though I had enough funds to have the {$75.00} amount waived ; the representative never told me there was a fee or that my account would not be charged the fee. I filed a complaint against the broker but it went unheeded. I spoke with a representative at Citibank brokerage about the fee but was advised that the fees could not be waived retroactively. I have been a Citibank customer for over fifteen years and am owed at least {$750.00} for the annual maintenance fee Citibank brokerage charges for the account. 

I will be closing my account and taking my hard earned earnings elsewhere due to the subpar customer service at the branch in XXXX and 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 2023-09-05
Company: Experian Information Solutions Inc.
State: CA
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.S. CODE 1681, 15 U.S. CODE 1681B, 15 U.S. CODE 1681C-2, 15 U.S. CODE 1681 S-2. 

XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX 15 U.S. Code 1681b A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) The person who obtains such report from the agency certifies to the agency that ( i ) The person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) The consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.

15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 U.S. Code 1681 C-2 Notification to consumer If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.

15 U.S. Code 1681 S-2 ( A ) Reporting information with actual knowledge of errors 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 2023-07-11
Company: Experian Information Solutions Inc.
State: TN
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:
Fraudulent accounts or charges appear on my credit report from a car dealership running my credit through all the places they can find. I did not give authorization to pull my credit reports. 
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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Creditor : XXXX XXXX Account No : XXXX According to the CARES Act, XXXX XXXX has violated my rights by reporting payments in XXXX XXXX as late on my consumer credit reports. The law requires creditors to report any account that has a payment accommodation applied to it as current to the credit bureausas long as the account was current when the accommodation was made. In XX/XX/2020 there was a Covid forbearance in place however XXXX XXXX  continued to report my payments as late which is a violation of the CARES act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief