BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-13
Company: Turning Point Solutions LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
To whom it may concern, On XX/XX/2023 Advanced Capitol Solutions contacted my family member and shared my legally protected information with them. Here is their company information : Advanced Capital Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX ) XXXX A representative of their company called my XXXX XXXX XXXX on his cell phone at ( XXXX ) XXXX and asked for me. He confirmed they had the wrong number and his identity, they then proceeded to share with him that I owed a dept to them which is protected information under Federal law.

I have provided Advanced Capital Solutions with a cease and desist request asking that they do not contact my family or friends or anyone else by phone. 

I also wish to bring awareness to the appropriate government agency that they are not in compliance with applicable laws regarding the sharing of personal information related to any alleged debt with anyone other than myself. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2023 I contacted Equifax by phone to demand the removal of inaccurate information being reported without my consent per FDCPA. I was refused removal of the inaccurate addresses and accounts by the cousomer service rep. The rep then attempted to start a dispute which I did not ask for and when I refused and asked for a supervisor I was first refused a suprvisor and then left on hold for over XXXX minutes until eventually a survey came on the call and asked about my experience to which I responded with the refusal of my deletion requests and knowing and willing violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please make an action to update the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: TN
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 writing this statement to address the incident of identity theft that I have recently experienced. My personal information, including my Social Security number and banking information, has been compromised without my knowledge or consent. I am deeply concerned about the potential consequences of this breach, including the risk of financial loss and damage to my credit score.

I have taken immediate steps to mitigate the damage caused by this incident. I have contacted my financial institutions and placed a freeze on my accounts to prevent any further unauthorized activity. I have also filed a police report and contacted the credit bureaus to place a fraud alert on my credit reports.

Going forward, I am committed to being vigilant about protecting my personal information. I will be monitoring my accounts closely for any signs of unauthorized activity, and I will be exercising caution when sharing information online or over the phone. 

I sincerely hope that the individuals responsible for this theft will be brought to justice, and I urge anyone who has experienced a similar incident to take immediate action to protect themselves from further harm. 

I hope this helps! Let me know if you need anything else.

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 2022-04-19
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: Their investigation did not fix an error on your report

Complaint:
Experian, XXXX, and XXXX Credit Bureaus are violating my rights as a consumer. In accordance with the Fair Credit Reporting Act, the list of accounts below are in violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above-mentioned accounts have all 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. section ( a ) ( 5 ) states : ( a ) Information excluded from consumer reports ( 5 ) 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 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2020-05-29
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:
XXXX Disputed XXXX incorrect last date of activity of XX/XX/XXXX with 3 credit bureaus Last date of activity was XXXX XXXX. There is no way it could have been any later than this, because I was XXXX XXXX On or about XXXX responses from credit bureaus did not have any information about how they concluded the information was correct. 

XX/XX/XXXX, XXXX Contacted XXXX to address the error. 
They confirmed there was a credit of {$2.00} which was given on their part, but the rep could not explain what this was for. However, it was not a payment on my part. 

XXXX XXXX Last date of activity XX/XX/XXXX. 

Therefore, both XXXX and Credit bureaus are in violation of Fair Credit Reporting. 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 explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus AGAIN AND 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 ITEMSTHAT I WANTED TO REMOVED! XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX : {$850.00} ; XXXX  XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$2400.00} ; XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX : {$360.00} ; XXXX XXXX XXXX XXXX Date XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX XXXX XXXX {$210.00} ; XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXXXXXXXXXX  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 non-monetary relief
Consumer complaint received 2020-02-11
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I initially reached out to the DBO because we were seeking assistance with modifying our home, as we had not yet be asked or given any chance. In our initial email to Freedom Mortgage, and per their direction on their website and MAA package, we were to email them at " XXXX '' on XX/XX/XXXX. Within that email, I outlined exactly what was attached to the email : Financial Statement, Verification of Hardship ( Letter ), Signed 4506-T Form, Proof of household income : ( pay-stubs for the last 30 days, and IRS tax returns ), Bank Account Statements - 2 most recent, and an Authorization from our BK Attorney, so that they may contact us directly. Upon sending that email, we received an email confirmation. We later received a letter from Freedom Mortgage requesting a Hardship letter and a copy of our XXXX tax returns. Within that letter, they requested that the information be sent to them no later than XX/XX/XXXX. Please note, this information was sent to Freedom Mortgage on XX/XX/XXXX, via email. Of which, we received another email confirmation back from them. Today ( XXXX XXXX, 2020 ), we received a letter from Freedom Mortgage dated XX/XX/XXXX, indicating they have " ... closed our review ... because they did not receive ... " Properly Executed IRS Form : 4506-T and Documentation to Support Hardship. '' Please note that the 4506-T Form provided was what I downloaded from their website. At no time did anyone contact us or provide us with any information indicating what is not " proper '' about it? You would think we would be given a chance to correct it, assuming it's not accurate? Additionally, at no time did we get asked to provide " Proof of Hardship. '' We were only asked to provide a hardship letter. Shouldn't that have been something they should have said from the start? Instead, they decided to close out our review and not give us any chance at all. This again shows that they are not trying to help us, as customers retain our home. Please note that I do not have any messages or calls from any, either. Which, I provided them proof of authorization from our Bankruptcy Attorney, so I'm not sure why we didn't receive a phone call or a letter with these specific requests?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: ID Analytics, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

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. US BKPT CT MI XXXX XXXX REF # XXXX, US BKPT CT MI XXXX XXXX REF # XXXX, US BKPT CT MI XXXX XXXX REF # 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-20
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX and I am submitting this CFPB complaint regarding the fraudulent accounts and information you report 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 File Number # XXXX and # 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. I need you to please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX CREDIT XXXX XXXX XXXX XXXX ) XXXX Balance : Balance : {$780.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In the event you believe that the disputed items belong to me, I request of you to please send me copies of proof of verification or proof of ownership to support your claims. If you can not find these documents to support your claims, immediate removal of the disputed items will be appreciated.

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 2022-04-20
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I will start by saying this is a long and difficult situation and I hope that this never happens to anyone else. This medical debt has XXXX parties involved MY INSURANCE COMPANY, XXXX XXXX AND RADIUS GLOBAL SOLUTIONS but I am only reporting my actual insurance company ( SUNSHINE HEALTH ) by not giving me the proper information/documentation in order to resolve this debt. In XX/XX/2019 I went to quest diagnostics to get my blood drawn. Once completed quest diagnostic billed my insurance company. My insurance company stated they only covered about 60 % of my bill which left me responsible to owe quest diagnostics in the amount of {$480.00}. XXXX then sent this unpaid bill to a debt collector called radius global solutions. I submitted a claim with my insurance company to see if they would cover the remaining balance of {$480.00}. After submitting the claim my insurance company ( XXXX XXXX ) went ahead and covered the whole amount of the {$480.00} but never not once did they communicate that with quest diagnostics or radius global solutions. Now I have a outstanding debt currently with radius global solutions that is affecting my credit because my insurance company failed to send anything over to quest diagnostics in order for them to cancel out this debt with radius global solutions. I have been consistently calling them in order to get something in writing via email or mail to state that they paid the bill in full. They stated that they would send something out over a month ago to my home address and never did. They also stated that they were unable to email me anything stating that they paid the bill off as well. Im so confused as to the fact that I am not able to receive anything stating that they paid the bill off or at least for them to contact quest diagnostics in order to resolve this issue.

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 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 credit report is showing information that does NOT belong to me. I have reached out and sent the letters and am currently being ignored. I have not received any response from XXXX, Transunion, OR XXXX. This information is incorrect and must belong to someone else because I have never lived at the properties associated with said accounts Accounts Listed Below : XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) - Reporting on Transunion XXXX XXXX I reached out to the collection agency and they are reporting an address I have never lived at. 

XXXX  XXXX - Account Never belonged to me. My Identity must have been stolen and used against my will. It says the account was a paid collection, but it NEVER was mine to begin with. I would like this information removed Immediately. 

I have sent Certified letters to them as they instructed me to do and they have been ignoring me and not giving me any options to call in and handle this over the phone. They are not acting in compliance with the FCRA by not responding in a timely manner and are infringing on my consumer rights Here is the tracking number for all the letters that I've sent. 
Transunion : XXXX ( Received XX/XX/2023, XXXXXXXX XXXX XXXX XXXX : XXXX ( Received XX/XX/2023, XXXXXXXX XXXX  ) XXXX : XXXX ( Received XX/XX/2023, XXXX XXXX ) I sent all of these letters on the same day which was XX/XX/2023 As I mentioned I have not heard anything back from them and CAN NOT get them on the phone to discuss what is happening.

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