BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please help me fight FRAUD. 
On XX/XX/2023 XXXX XXXX XXXX ran a Hard Pull Inquiry on my Credit Report WITHOUT MY PERMISSION and I have asked TransUnion Reporting Company to remove such unauthorized Fraudulent Inquiries from my Credit File which is a clear VIOLATION of The Fair Credit Reporting Act, that specifically states Hard Inquiries can not occur without permission XXXX XXXX XXXX does not have my permission to run my credit six months after my purchase, ( XX/XX/2023 ). 

I am asking TransUnion under good faith not to be part of the FRAUD and to remove such unauthorized Fraudulent Inquiries from my Credit report just like XXXX and XXXX did. You can find above in the uploads copy of the letters from XXXX and XXXX who has DELETED such Fraudulent Inquiries from my Credit report as they found in their investigation that indeed XXXX XXXX XXXX ran a Hard Pull Inquiry on my Credit Report WITHOUT MY PERMISSION. Please note this is the second attempt to solve this issue with TransUnion.

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 2022-10-27
Company: Experian Information Solutions Inc.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX 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 explanation
Consumer complaint received 2023-10-16
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:
I am not aware of how this account was created or used. I never authorized the opening of this account. However, because of this account 's appearance on my credit record, my score has been decreasing.

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 2022-12-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent this letter to the credit company experian regarding inaccuracies on my credit report due to ally financial. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Ca. XXXX XXXX XXXX XXXX, XXXX AZ XXXX RE : To Remove Inaccurate Information from my credit report To : Consumer Complaint Department I recently pulled a copy of my credit report dated XXXX XXXX and I noticed an account that no longer belongs on my report. This account is part of a Class action Settlement Lawsuit that I am a part of, and I need this account REMOVED immediately. This account has stopped me from getting approved for a mortgage and other credit extensions. I am listing this account below in case you need to verify it prior to REMOVING it. 

XXXX. XXXX XXXX XXXX. XXXX XXXXThis account is to be deleted by grantor because of a class action lawsuit XXXX XXXX violated the UCC code XXXX 

4.REMOVE FROM MY REPORT As per the FCRA, you are required to do a reasonable investigation within 30 days of receipt of this letter. I hope that your company will take this serious so that I don't have to make further complaints. 

Thank you, XXXX XXXX Instead of removing the account because of the class action settlement and violations the company has done with the UCC code Experian instead marked the account as paid in settlement which is incorrect as I never paid any settlement. The account should be deleted as they were sued and settled for XXXX XXXX. The people who were affected by it are supposed to have it removed from their reports and be compensated. I need this fixed and removed as I was a victim of their violations.

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 2021-03-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please help me and resolve my problem. I was very sad when I saw unknown items in my credit report. These accounts are not mine. I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. Please investigate them also because I would like to know the origins of those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I reviewed my Consumer Reports and noticed that I had late payments on an accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : 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 2021-09-13
Company: CREDIT ACCEPTANCE CORPORATION
State: KY
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2023-10-15
Company: Experian Information Solutions Inc.
State: FL
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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: Experian Information Solutions 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:
I was a victim of a SSN breach in which a fraudster opened up multiple fraudulent accounts using my SSN with numerous creditors including : XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. They then went delinquent on all of the accounts and my credit score was destroyed. The fraud occurred in XX/XX/2022. The only lead I have is that the address for the XXXX XXXX account was XXXX XXXX XXXX XXXX XXXX, TX XXXX and it was started on XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-17
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In my credit report, it shows a collection amount of {$150.00} from this collection agency after it was transferred from XXXX XXXX XXXX Hospital. I have not received not one letter by the hospital or collection agency to collect the amount due or been told how to pay off this amount over the years. The agency is not returning my calls or answering any of my emails and the hospital has not been specific with what the charges are from. As well, the hospital said I owed {$200.00}, and referred me to another agency not listed as the collection agency on my credit report which is giving me different answers.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: ALLY FINANCIAL INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
They wouldn't identify who they were and threatened me with a lawsuit.

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: 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: Account information incorrect

Complaint:
I recently paid off a collection account with an agreement that upon receipt of the payment, a " pay for deletion '' would be sent to the credit bureaus. It has been over 60 days and this account is still showing on my credit report. This account was paid in full XX/XX/22. I have attached the receipt of payment and the letters I have sent to the credit bureaus.

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 2022-11-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2021, I received a charge off on an account that had fraudulent activity. I tried negotiating with the creditors to get it removed from my XXXX and Equifax report by paying because only XXXX removed it due to the fraudulent activity. The creditors said that they will not remove it even when paying it off and with the fraudulent activity on the account ; They will keep reporting it as a charge off. I tried to tell this information to both Equifax and XXXX yet they keep updating the information instead of removing the delinquency. The creditors are asking me to pay off the fraudulent account but they wont remove it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: FL
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:
there are a couple inquiries in my profile i do not reconize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
In PayPal, you can get a " Balance Account '', which is let 's you store currency directly in PayPal. The terms and conditions can be found at this link : XXXX : XXXX? XXXX In the terms and conditions, the " Closing Your Balance Account '' section clearly states " You can close your Balance Account without closing your personal account ... ''. I have tried multiple times to contact PayPal support to do just that, but no representative can find an option in their system to do this. Since customer support is unable to do this, it my hope that I can get my request fulfilled with this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon the investigation of these accounts the company XXXX, XXXX, EQUIFAX failed to verify accurately said accounts without proper documentary evidence without my consent but continued to report inaccurate information which is effected me.. Knowing this is a clear violation of FCRA [ accounts are ] 1- 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 2021-11-22
Company: Synovus Bank
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I opened a SECURED, First Progress account in hopes to build my credit up. As a result of me building I was able to obtain better offers and decided to close my First Progress account. 

When my account was opened on the first day First Progress took out money for an annual fee and any other free print fees. My payments were being reported as late since I am only able to mail in a check for payment because I do not use nail pay service with my financial institution. 

I called twice about the matter and finally asked what I needed to do to be done with them and I was told to write in a letter requesting the account be closed effective immediately. 

I wrote the letter and mailed in XXXX mail. I have to date on the receipt which I do not have with me at this moment. However, they took their time closing the account just like they did with my payments and now they want me to pay another annual fee but the card is closed and I no longer wish to do business with them. The interest rate is horrible for money that is out of my pocket. 

I'm a single mother and recently I just tried to obtain a new job and was denied because of the negative remark SOLELY from First Progress. It is still COVID and I was never granted relief from them and as far as I am concerned I have never been late. This is really bad business for them to take on a role of greed like this. 

I asked First Progress to return a late fees which cause my account to go over as well as the XXXX $ annual fee, but instead was told that my credit would be ruined if I do not pay and the longer it took the worse it would get. 

I do not have the money to give them. Especially since they just costed me a job that I have been working towards for months. This is unfair business practice and I need more resources to verify the information that I have to provide. I have cancelled checks bank statements and postal receipts. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: JPMORGAN CHASE & CO.
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:
Today, I am writing this complaint to JPMCB CARD regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those accouns mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
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 To The Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify. Erroneous and Misleading Things Of My Credit Report. 


XXXX XXXX XXXX Dept EdXXXX XXXX Dept Of Ed/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1689 Section 604 A.Section 2 : it also states a consumer reporting agency can not furnish a account without written instructions.

15 U.S.C. 1681 section 602 A.Section I have the rights to privacy.

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 2023-01-09
Company: Experian Information Solutions Inc.
State: MO
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:
In accordance with the fair credit reporting act XXXX XXXX has violated my rights. Ive distributed this fraudulent account immediately once I because aware of it. I was told by email ( see attached ) the account would be closed due to it being opened without my knowledge or permission. For the last few months this account is not only reporting negatively on my credit report as a collections account. Its now reporting late payments. This house cost my $ XXXX of dollars in denied credit. At this point Im considering taking legal action.

15 USC 1681 section 602 15 USC 1681 section 604 A 15 USC 1666B A

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 2021-03-18
Company: HSBC NORTH AMERICA 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: Old information reappears or never goes away

Complaint:
HSBC bank incorrectly credited my account and then tried to collect incorrect amount from me. While I was dealing with HSBC and filing a complaint, HSBC reported my account delinquent. Attached you will find a letter from HSBC stating that they were wrong and that no negative reporting was done ( paragraph 3 ). I attached a screen print showing that they reported my account delinquent. 

I hope I explained everything

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: Experian Information Solutions 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 am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX 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 2021-04-09
Company: Adler Wallach & Associates, 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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease

Company response to consumer: Closed with explanation