BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XXXX of XXXX, I found out that XXXX XXXX XXXX XXXX issued a {$30000.00} credit card or a loan in XXXX of XXXX to someone who might have committed an identity theft. I filed a dispute with XXXX, XXXX, and XXXX and all three of them didnt find anything wrong with the information provided by XXXX XXXX XXXX XXXX XXXX From the information reported, I can assure that the address and the telephone number of the individual who took the money do not match mine. I never applied for that line of credit.

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 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX Please investigate and delete from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please investigate and delete from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX : XX/XX/XXXX Please investigate and delete from my credit report. 

Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report. 

Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate and delete from my credit report. 

Validate Account XXXX XXXX XXXX XXXX XXXX I did not authorize this account

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 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 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 a account without my written instructions

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 2018-04-25
Company: LD Holdings Group, LLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
First husband died did not know he had a loan for truck and had put me on as well I was told if I paid the debt that they would finish putting paid as agreed never late because it was late due to me having no idea about the lone on the other two accounts mortage and credit card my Id and all personal information was stolen because Im on ss it took me awhile to catch it up in fact Im current but I took from other bills and paid mortage cause was told once it was current they would take off the fees as well as off report and put paid as agreed still not done on credit card also cause of robbery tried to make minimum payment till they did investigation on what was mine or the theft said wouldnt take a payment cause it would cause the fraud case to stop tried several times to paid in various ways was told it wouldnt go on credit report nope they reported it late for months that they were working on it infact I had auto pay set up and the money was in bank they never took I do not feel I should be punished in any of these cases I pay ontime always as well as do not normally keep balance more then 30 days as it shows on report now Ive got maxed out cards and bad credit for nothing to do with me not paying they ran so high and stole so much money that Im struggling to keep up all the mortage and credit cards fault they said theyd take off that was in XX/XX/XXXX still there as of XX/XX/XXXX plz help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EAST WEST BANK
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on XX/XX/2022 east West Bank send me a text that someone is trying to use my debt card in north Carolina at XXXX for XXXX XXXX dollars then east west bank call me and I said its not me I am in my home town so the charge did not go through told bank to stop all charges I call bank immediately that night and they said someone had already spent {$6500.00} at XXXX store in Texas but it did not go through then they call me back next morning saying it was process with other charges of {$5000.00} + {$5000.00} they said not to worry these wire transfer didn't go through in the amount of {$10000.00} this was on XXXX 2022 but East West Bank allowed a separate wire transfer of {$8300.00} to go through they let go because its the only way to reimburse us I have called bank a hundred times and they keep saying I can't speak to their fraud Department only my branch I can speak with about my account charges that was fraudulent they have been stringing me along until now no answers as yet I hope I can get some help thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions 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 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. 
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 2023-04-10
Company: Experian Information Solutions Inc.
State: TN
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: Problem with personal statement of dispute

Complaint:
Experian and XXXX are reporting a medical debt on my credit report from XXXX XXXX XXXX in the amount of {$880.00}. Ive disputed this debt over and over again and neither Experian, XXXX or XXXXXXXX XXXX XXXXXXXX would provide me with the method used to verify this debt as accurate. It is unlawful to report a debt with a past due balance as accurate and it is causing me sleepless nights and stress. I have a ton of fcra violations as well as cfrs etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: CAVALRY INVESTMENTS, LLC
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: Account information incorrect

Complaint:
To whom they may concern, Calvary has reported me to all three credit bureaus on XX/XX/2021 claiming me owing them $ $ before they validated the debt. I received the validation letter on XX/XX/2021 dated on XX/XX/2021 from Calvary as attached. Based on the Fair Debt collection practice act 15 USC 1692g Sec. 809 ( 8 ), the debt collect agencies supposedly give the consumers 30 days to respond and validate an assumed debt. Calvary failed to do so. They assumed that i owe them such debt that Im not aware of. 
1. I will be writing a letter responding your XX/XX/2021 letter to request for validation of this debt. 
2. I will file law suit against Calvary in the IL small claims court And state attorney general, if they still refuse to remove the negative reporting from my credit report.

It is against the Fair Debt collection practice act 15 USC 1692g Sec. 809 ( 8 ), that assuming such debt before the validation process. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: CL Holdings LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
They repeatedly called and harassed me. And hung up on me. They blocked my calls, they refused to verify the alleged debt.They have refused payment for a alleged debt that I was never contacted about by them. Thai debt appears to have happened during the whole COVID 19 lockdown. Nor was I ever given a chance to question or pay the debt before they ran up the bill by filing a frivolous lawsuit against me through Love, XXXX and XXXX. Who also still to date have not supplied me with anything supporting the debt. They also refuse to accept payment to remove the debt and or lawsuit complaint. I have talked to people at the Love, XXXX, and XXXX trying office 3 times of which all 3 times they refuse payment and or removing the debt from my credit. They have told me 3 times they would mail a letter which they have not nor have they made me aware that they are suing me. I found that information myself on oscn.com after they acted suspicious. I contacted them 2 times on XX/XX/2023 and again on XX/XX/2023. I wrote down the people name and the time of refusal. This is a malicious attempt to hurt somebody's credit for no reason. This is not XXXX  We are not on a social credit system therefore you should not be able to attack somebody in the manner they are attacking me and my credit. Abuse of process and power.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: IN
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 personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I contacted XXXX XXXX XXXX finance on XXXX XXXX XXXX at XXXX to request an extension for my XX/XX/XXXX payment. XXXX advised i wasn't eligible for an extension, however, stated there were other options available that would prevent any negative credit reporting/ 30 day late notices. XXXX of the options she gave, was to schedule my payment to be debited from my account on XXXX XXXX, XXXX. I specifically asked her if she did this, would it prevent my account as showing 30 days past due for XXXX, and she advised YES, it would stop 30 day late notice to credit agencies. I agreed to have payment scheduled on XX/XX/XXXX, due to the false information given to me by the capital XXXX representative. I have never been late on the auto loan since the account was opened in 2020. I'm in the process of buying a home, and this error caused by the capital XXXX agent has impacted my credit score negatively. Had i known that the account was going to be reported as late, i would have made arrangements to pay prior to XXXX XXXX. Please resolve this error by removing 30 day late notice on all credit reports. This error was caused by misinformation given by a XXXX XXXXXXXX representative.

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 2023-09-23
Company: Experian Information Solutions Inc.
State: VA
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:
After reviewing and studying the Fair Credit Reporting Act, I found a law called 15 USC 1681 section 602 a, which says credit reporting agencies like XXXX, Experian and XXXX, must treat people fairly, be impartial, and respect their privacy. I'm one of those people, the consumer, and I have the right to make sure my private information isn't shared, as backed by 15 USC 6801. This law states that every financial institution, including those " Furnishers of information to credit agencies, '' has an obligation to protect my privacy and the security of my personal information.

I found another law, 15 USC 1681 section 604 a section 2, that says these credit agencies can only share my information if I tell them in writing that it's okay. But they never got my written permission. Additionally, I have student loans with XXXX, and they have reported information about my loans without my explicit consent. 
I found yet another law, 15 USC 1681C ( a ) ( 5 ), stating that these agencies can't keep sharing negative information about my financial history without my permission, unless it's criminal records older than seven years. But they're doing that, and it's against the law. 

Regarding my closed XXXX account, they shouldn't be reporting it negatively without my permission, which is also protected by 15 USC 1681C ( a ) ( 5 ).

Also, 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states that if someone knows that the info they're giving to the credit agencies is wrong, they're not supposed to do it. And 15 U.S. Code 1681e says these agencies are supposed to have good procedures to make sure they follow the rules. But it seems like XXXX, Experian and XXXX aren't doing that. 

All of these so called debt collection agencies, XXXX and XXXX alike are committing securities fraud. According to 12 CFR 1016.7 states that I can say " stop sharing my information '' at any time. So, I'm telling them to stop reporting this information without my proper consent. These are the following agencies I would like to opt out of sharing my information with, including but not limited to : *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My XXXX account is collectively over {$39000.00} and my XXXX account is {$260.00}

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 2023-02-21
Company: EQUIFAX, INC.
State: OK
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: Investigation took more than 30 days

Complaint:
XXXX XXXX and Equifax are not complying with regulations based on my request that have been sent in with inaccurate information on XX/XX/2023 and the third request of validation that was sent in on XX/XX/2023 certified and i still have no letters from them stating anything has been investigated or resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Experian Information Solutions Inc.
State: OH
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:
The accounts on my credit report are in violation of Federal Law. I have requested a few time before a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. I have no record of doing business with any of these companies listed below. XXXX XXXX, XXXX, Experian have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. I demand the following accounts be verified or deleted immediately : XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX {$500.00}

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 2020-12-22
Company: EQUIFAX, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
I sent letter certified to both Equifax and XXXX over 45 days ago regarding inaccurate accounts that are reporting that XXXX has already removed due to not being able to properly verify these account. I was under the impression that all reporting must be accurate as this is not the case. This is causing me more stress in my life and I would like to this matter to be resolved and not just an update that they are still working on it. According to the FCRA if inaccurate unverfiable information is not completed within 30days of receipt of the letter it must me removed. I have tracking information showing they have received my letter Equifax tracking # XXXX and XXXX  tracking # XXXX I thought you guys assist in protecting the consumers because its past 45 days and I should not have to deal with something reporting inaccurately that is no fault of my own. How is it that XXXX  was able to get this done and these two bureaus are not where is the accountability

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: EQUIFAX, INC.
State: OH
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:
The accounts on my credit report are in violation of Federal Law. I have requested a few time before a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. I have no record of doing business with any of these companies listed below. XXXX XXXX, Equifax, XXXX  have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/2021 - XXXX  sent me an alert that a credit limit check was submitted against my SSN by TD XXXX XXXX XXXX ( XXXX ). 
XX/XX/2021 - XXXX  then sent me an alert that a credit card with a credit limit of {$10000.00} was established ( Retail establishment is XXXX  & XXXX  ). 
XX/XX/2021 - I contacted XXXX  and let them know that I did not open a new credit card XX/XX/2021 - XXXX  advised me to get a Police report ( which I did ) XX/XX/2021 - I contacted XXXX  and they were able to bring up the fraudulent account and asked me a number of questions. The home address I have did not match what they have on file. Obviously they did not tell me the address on file, but they did freeze the account in their system so that it could not be used. Currently there were no charges to the account. 
XX/XX/2021 - I sent the Police Report to XXXX  so that they could remove the credit inquiry and card from my records. ( they advised me to reach out to you with the same information )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
1099c I do not recognize how this account is reporting on my credit report. I do not recognize the account number, I do not recognize the account status, I do not recognize the account high balance, I do not recognize the late payments associated with this account. 
Please delete ASAP

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