BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: NJ
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 2023-12-18
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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. XXXX 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 non-monetary relief
Consumer complaint received 2023-01-18
Company: EQUIFAX, INC.
State: NY
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions 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: 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.

The letters are stated with items and issues.

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 2018-11-16
Company: EQUIFAX, INC.
State: FL
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: Old information reappears or never goes away

Complaint:
XX/XX/2018 On XX/XX/2018, I was in a car dealership buying a new car and I had to called Equifax to request that they do a temporary release of my credit report freeze. 

Please note my complaint is not directed toward the agents that I spoke to at Equifax, my complaint is against the companys management and the ridiculous questions asked to have my credit freeze release. 

The first agent that I spoke to wanted to know the name of my credit card and the balance on my credit cards from ( 5 ) years ago. I asked if they could give me the name of the credit card company, so I could give them the status of that account, which in all cases where paid in full, they would not provide that information. 

I tried to explain to the agent that it was impossible for me to answer that question, especially since I was in a car dealership without the benefit of my credit report in hand. 

Also, the thing that really got me upset was that from the very beginning of our conversation the agent must have been in an open office with other agents and the background noise was so loud that I constantly had to ask the agent to repeat the questions. I know that most large companies use out of the Country agents to provide customer service in the United States. 
Together with the agents accent and the background noise it was extremely difficult to carry on a conversation. I hung up and called a second time. 

My experience with the second agent was the same as with the first agent. However, this time the second agent asked me if I could tell her the name and balance of my credit cards from ( 20 ) years ago. I told her that was impossible. Then I asked to speak with a supervisor. 

I explained to the supervisor my experience with the two agents, and she told me the same thing, I needed to know the name of my credit cards and balances from ( 5 ) and ( 20 ) years ago. Once again, I told her I did not know, so she said I had to mail a letter requesting that my credit freeze be removed. I attempted to reason with her, while sitting in the car dealers show room, but she could not help. 

Consequently, I had to delay the purchase of my new car until I returned home and was able to remove the temporary freeze by going on line to Equifax. 

I understand how important it is to protect our credit information, but my experience with Equifax was not helpful and suggest that the Management of Equifax develop a better way of asking consumers personal credit information that is current and not ( 5 ) and ( 20 ) years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My business credit card shows 2 separate credit cards on trust app that are both linked to one credit card. My app shows I'm paid up currently however on the secondary card it shows I'm late and still have a XXXX balance. The lady I spoke with has no idea what's going on nor has ever seen this before. I was told they would get back to me. However this is ultimately going to reflect on my credit report for an error with the banks systems/ app issues. I have kept up payments on all credit accounts. I have previously asked the bank about this XXXX balance account in the past but nothing came of it. Today is when I was made aware of the error XX/XX/

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 2021-07-08
Company: WELLS FARGO & COMPANY
State: NJ
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 got these accounts that does not belong to me and i want to be remoe from my credit report asap. 

1. Identity Theft WELLS FARGO Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

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 2024-01-05
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Subject : Cease and Desist Communication - Account Number XXXX Dear I C SYSTEMS COLLECTIONS, I am writing to address the numerous violations of my rights and applicable laws that have arisen in connection with your pursuit of an alleged debt associated with account number XXXX. I categorically do not consent to any business dealings with your company, and I insist on the immediate cessation of all communication. 

The following violations have been identified : 1. **Illegal Obtaining of Personal Information : ** Your company has unlawfully acquired my non-public personal information and used it in an attempt to coerce payment for a debt I am not obligated to pay, constituting a violation of my privacy rights. 

2. **Deceptive Collection Practices : ** I contend that your debt collection efforts involve deceptive practices, as I am not under any legal obligation to settle the alleged debt. 

To address these issues and uphold my rights under Georgia state law and federal statutes, I insist on the following actions : 1. **Cease and Desist : ** Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C . 1692c ( c ) ], I demand an immediate cessation of all communication from I C SYSTEMS COLLECTIONS, with the exception of written correspondence through mail. 

2. **Third-Party Communication Prohibition : ** In accordance with the FDCPA [ 15 U.S.C. 1692b ], your company is hereby prohibited from communicating with any third parties regarding the alleged debt. 

3. **Deletion of Personal Information : ** Under the Georgia Fair Business Practices Act [ O.C.G.A. 10-1-393.4 ], I insist on the prompt deletion of all my personal information from your records.

4. **Removal from Credit Report : ** Pursuant to the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C . 1681s-2 ], I demand the immediate removal of any information related to this alleged debt from my credit reports with XXXX, XXXX, and XXXX. 

Failure to comply with these demands may result in legal action, including but not limited to filing complaints with relevant regulatory authorities and pursuing remedies under the aforementioned laws. 

Your prompt attention to this matter is not only essential for resolving this dispute but is also required by law.

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 2023-12-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX Account # : XXXX is reporting transaction history since the opening of this account and should not be. The Law says it is illegal to report transaction history. As a consumer, I have a Federally protected right to privacy pursuant to : Privacy Act of 1974 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( 2 ) with the consent or at the direction of the consumer ; I do not consent to the sharing of my nonpublic personal information for these accounts.

15 U.S. Code 1681a - Definitions ; rules of construction.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING

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 2023-12-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting 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 recently reviewed my credit profile and noticed a series of credit inquiries I did not authorize and have no knowledge of. I reached out to XXXX, Experian, and XXXX via phone when I noticed to alert the companies that somebody has been using my personal information without my permission. I also stated to them that furnishing information to my account that I have no knowledge of and that's also due to identity theft further violated the FCRA and was governed by 15 USC 1681. I seen a huge impact on credit report from these inquiries, and it quite frustrating because I am not the one who has applied or attempted to get a line of credit. The inquiries I noticed are from the following companies : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I've counted of XXXX inquiries on my credit profile that I have not authorized.

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 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts 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. 
DEPT OF EDXXXX XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$28000.00} DEPT OF ED/XXXX XXXX Balance : - DEPT OF ED/XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$28000.00} DPT EDXXXX XXXX Balance : {$0.00} - XXXXXXXX XXXX XXXX XXXXXXXX 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 2019-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2024-01-05
Company: Westlake Services, LLC
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:
Hello, my name is XXXX XXXX. 
I recently looked over my credit report because Im trying to purchase a house on my credit report I see some inquiries that are reported that I did not authorize. I also see my name is use a lot in different spelling in different ways. I would just like to get all those things off of my credit a couple things thats on my credit that does not belong to me or that is closed and just need to be off my credit so I could be able to purchase house are, one XXXX and XXXX. Both accounts are closed XXXX XXXX and XXXX both are closed Westlake financial XXXX this account is closed XXXX XXXX this account was never authorized by myself it was made in XXXX XXXX, XXXX this account is close XXXX XXXX XXXX XXXX this account was not authorized by myself. 
XXXX XXXX XXXX also was not authorized by myself. I would like these removed for my credit so I could be able to move forward. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: FL
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:
Dear Sir/Madam, I am writing to bring to your attention multiple incorrect addresses listed on my credit report. I have never resided at these addresses and have no knowledge of them. I believe these inaccuracies are a result of identity theft, as multiple accounts, loans, and credit builders were opened in my name without my consent or knowledge. 


I have been a resident at the following address for the past 5 years and 5 months : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX However, upon reviewing my credit report, I discovered the following incorrect addresses associated with my name : XXXX XXXX, XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX  XXXX, IA XXXX XXXX XXXX XXXX  XXXX, AZ XXXX I can assure you that I have never lived at any of these addresses nor had any financial dealings associated with them. The inclusion of these addresses on my credit report has had a detrimental impact on my creditworthiness and financial reputation. 


I kindly request that you update your records and remove these incorrect addresses from my credit report. Furthermore, I urge you to conduct a thorough investigation into the fraudulent accounts, loans, and credit builders that have been opened in my name without my consent. 


I have taken the necessary steps to report these fraudulent activities to the appropriate authorities, including filing police reports and placing fraud alerts on my accounts. I have also contacted the following financial institutions listed on my credit report, which were involved in authorizing these fraudulent actions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I kindly request that you work with these institutions to update their records and reflect the fraudulent nature of these accounts. 


I understand that resolving this matter may require some time and investigation. However, I kindly ask that you keep me informed of the progress and provide regular updates on the status of my dispute. 


I appreciate your attention to this matter and your assistance in rectifying the inaccuracies on my credit report. Please feel free to contact me at the address provided above or at [ Your Phone Number ] if you require any further information or documentation. 


Thank you for your prompt attention to this matter.

Company response to consumer: In progress
Consumer complaint received 2022-05-13
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a near {$1000.00} XXXX debt which is impossible because Ive had XXXX for a decade and the initial charge came up when I was trying to buy a house and wouldnt have opened any kind of new credit. I began the home buying processing in XXXX and bought a house in XXXX and again I already have had XXXX why would I open a XXXX account and not pay!!?! XXXX was NO HELP!!! Im infuriated nothing about my credit history even lined up with this! My credit was so high nearly XXXX before all of this Im ruined!

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